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Georgia's Own asks for REFERENCES?

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Regular Contributor

Georgia's Own asks for REFERENCES?

Now I'm acquainted with old fashioned, like paper-app old fashioned. But not "please provide 3 references" old fashioned. 

 

I was interested in joining Georgia's Own FCU because it was formerly Georgia Telco and my being in telecom. 

 

But what in the world? I don't want them to bug my friends because I just want another CC. Does anyone know if they call on each app? 

11 REPLIES 11
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Mega Contributor

Re: Georgia's Own asks for REFERENCES?


@ddm2k1 wrote:

Now I'm acquainted with old fashioned, like paper-app old fashioned. But not "please provide 3 references" old fashioned. 

 

I was interested in joining Georgia's Own FCU because it was formerly Georgia Telco and my being in telecom. 

 

But what in the world? I don't want them to bug my friends because I just want another CC. Does anyone know if they call on each app? 


Well, come on, how else are they going to know?   it's not as if there are agencies out there that record your credit history.   And personal references are absolutely secure!

Message 2 of 12
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Community Leader
Super Contributor

Re: Georgia's Own asks for REFERENCES?

I just had to provide 2 personal, and at least 1 banking references to buy a Lexus.







Message 3 of 12
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Senior Contributor

Re: Georgia's Own asks for REFERENCES?

It's weird to me also. Dinosaur format. Citibank wanted references for a cli for my biz card at Staples....heck no!  Then I called and they gave me a cli.  I know what you mean, bugging ppl for cc's and cli's....pass.

”MY TAKE HOME PAY DON’T TAKE ME HOME”


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Message 4 of 12
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Regular Contributor

Re: Georgia's Own asks for REFERENCES?


@Brian_Earl_Spilner wrote:

I just had to provide 2 personal, and at least 1 banking references to buy a Lexus.


"Does he seem like a Lexus guy? We really only want to sell to Lexus people. If he's more an Acura of Infiniti guy, and just settling on Lexus, we'd be uncomfortable selling to him". 

Scores: (9/2/20) EQ: 765, EX: 774, TU: 755
Message 5 of 12
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Community Leader
Super Contributor

Re: Georgia's Own asks for REFERENCES?

@ddm2k1 

This used to be a very common practice back in the day.

Some of the smaller FIs still do this.

I provided references for AOD FCU.

 

As well as others over the years. Not a big deal IMHO. They don't usually call your references, unless you skip town paying them. 😆



My most prized tradeline.
Message 6 of 12
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Community Leader
Mega Contributor

Re: Georgia's Own asks for REFERENCES?


@ddm2k1 wrote:

Now I'm acquainted with old fashioned, like paper-app old fashioned. But not "please provide 3 references" old fashioned. 

 

I was interested in joining Georgia's Own FCU because it was formerly Georgia Telco and my being in telecom. 

 

But what in the world? I don't want them to bug my friends because I just want another CC. Does anyone know if they call on each app? 


@GApeachy 

 

theres oneSmiley Wink

Message 7 of 12
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Valued Contributor

Re: Georgia's Own asks for REFERENCES?

Don’t be surprised when your “references” get called for late payment.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

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2% Everything - Flagship & Syncrony






Message 8 of 12
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Established Member

Re: Georgia's Own asks for REFERENCES?

This is what student loans companies do. Then they call and harass your friends if something goes wrong. 

Message 9 of 12
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Valued Contributor

Re: Georgia's Own asks for REFERENCES?

That's crazy. I didn't even know that was a thing. What is the person even supposed to say in the reference? Is it about the person's character? Because I wouldn't know the first thing about someone else's actual financial habits, except what they tell me. 





Message 10 of 12
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