Official Credit Unions Guide

[CreditobsessedinFL]

Thank you; I will review this as well.

[Anonymous]

great info - granted I'm partial to NFCU :-)

[Wavester64]

@baller4life 

2)Penfed - EQ hp good for 90 days. Now according to a Penfed rep, it's only 30 days. Donation to Voices For America's Troops for eligibility. You can also donate to National Military Families Organization for eligibility. Platinum Rewards Visa $18k. Waiting for future quarterly preapproval for any more products. No POI required for me. But, they do ask sometimes.

Do we know if its still 30-days?  

[AverageJoesCredit]

@Wavester64  , baller hasnt been around in a long time and things have changed quite alot since her time. Penfed seems to want to hp for everything nowadays, ymmv of course. Honestly you can ask them if they will reuse your hp for other credit products, ie 30 days, but dont be suprised if each application is a seperate hp. 

[Anonymous]

Just out of curiosity, was astonished, my son filled out app for car loan, didn't even get asked for poi with nfcu what other CU'S just take stated income for CC's or small loan amounts?

[cr101]

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@Wavester64 wrote:

@baller4life 

2)Penfed - EQ hp good for 90 days. Now according to a Penfed rep, it's only 30 days. Donation to Voices For America's Troops for eligibility. You can also donate to National Military Families Organization for eligibility. Platinum Rewards Visa $18k. Waiting for future quarterly preapproval for any more products. No POI required for me. But, they do ask sometimes.

Do we know if its still 30-days?  

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i actually reached out to them about this the other day and tt someone on the phone. the phone rep said that they try to use the same hp for 30 days. the next day, they responded to my email and said that they use the same hp for 90 days, but it's not always guaranteed.

[Anonymous]

Well that's sort of reassuring. 

[Andy77]

Does anyone know if Unify is bk friendly ?  I have a discharged ch 7 from May 2020. Opened checking and savings accounts with Unify over weekend.

I wanted to app for their Visa

My CR is as follows:

EX 622 Fico 8

EQ 641 Fico 8

TU 618 Fico 8

Capital One opened 2/20 zero balance 500 CL

Credit One opened 4/20 zero balance 500 CL

Chase AU opened 6/69 2400 balance 23,500 CL

FNBO AU opened 4/15 2400 balance 15,500 CL

Income 115k

My scores above reflect the Chase account with a 9k balance and credit one with a 215.00 balance, when both update in early June, I am sure my scores will increase, that was when I was going to app for the Unify Visa.

I wanted to apply for the Unify Visa, but not if they arent' bk friendly

Thank you

[AllZero]

@Andy77   I can't answer the BK part. Unify will pull Experian FICO 2. I don't know what minimum score required is for approval.

[jmos]

 Hello. My BK7 was discharged 10/17. Apped for credit card 5/19 and was denied due to the bankruptcy. Called in to recon and was told to wait at least 2 years post discharge. I moved on from there and I'm more than happy with Navy Fed.