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RFI - RBFCU Members

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baller4life
Super Contributor

Re: RFI - RBFCU Members

Yeah ditto when TU and Chex clean I'm going for it
Message 41 of 46
Zorasmiles
Established Contributor

Re: RFI - RBFCU Members


@baller4life wrote:
Yeah ditto when TU and Chex clean I'm going for it

I'm a member now and I won't even consider a HP unless there's an avalanche of nice CL's from their CC's LOL  My TU is clean so if RBFCU decides to act like NASA or similar CU's LOL 

FICO scores are your calling card to the business world. Build a negative reputation and those doors are hard to open, find that perfect balance of credit responsibility and those doors open when you desire them.
Message 42 of 46
baller4life
Super Contributor

Re: RFI - RBFCU Members

So clis are hp? Good to know. Smiley Wink
Message 43 of 46
MACFRME
Frequent Contributor

Re: RFI - RBFCU Members

I think I may have an important experience to share with you all. I have been having trouble with RBFCU since last July. They stopped reporting information to the CRAs regarding my PLOC and my auto loan, as well as my husband's auto loan and PLOC. He also has a credit card with them, but they were reporting that one. Well, I called about it in December, and they said they were aware of the issue and were working to resolve it. It is now April and the issue has not been resolved. I disputed with the CRAs last month, which got my TU and EX updated, but EQ remains with the outdated info. I just closed my two accounts with them and moved them to DCU, because I have a thin file, and this is seriously hurting my scores at the moment. 

 

Has anyone else had problem with this? I know their CCs are outsourced (not the underwriting, however), so tyhis is why my husband's CC is reporting correctly, but the loans serviced and underwritten by them are the one causing problems. All of this seemed to coincide with their "system update" that occured last year.

Cards I Carry
$7.5K $23K $5k $300(SEC) $500 $300 $1,500 $800 $800
Total Available Credit: $39.7k | FICOS: EX 659 | EQ 661 | TU 673
Message 44 of 46
ScoreOrBeScored
Valued Contributor

Re: RFI - RBFCU Members

Thanks for them wads up,mim shall see how that goes once a month or 2 passes by. Actually that would be great if they didn't report the car at all.lol

 

it would show my car loan they took over paid for and their nit shiwing would drop my DTI . Lol 

Message 45 of 46
Zorasmiles
Established Contributor

Re: RFI - RBFCU Members


@MACFRME wrote:

I think I may have an important experience to share with you all. I have been having trouble with RBFCU since last July. They stopped reporting information to the CRAs regarding my PLOC and my auto loan, as well as my husband's auto loan and PLOC. He also has a credit card with them, but they were reporting that one. Well, I called about it in December, and they said they were aware of the issue and were working to resolve it. It is now April and the issue has not been resolved. I disputed with the CRAs last month, which got my TU and EX updated, but EQ remains with the outdated info. I just closed my two accounts with them and moved them to DCU, because I have a thin file, and this is seriously hurting my scores at the moment. 

 

Has anyone else had problem with this? I know their CCs are outsourced (not the underwriting, however), so tyhis is why my husband's CC is reporting correctly, but the loans serviced and underwritten by them are the one causing problems. All of this seemed to coincide with their "system update" that occured last year.


I have heard of other members having similar issues but they have been happy with the "glich" as it played in their favor.

FICO scores are your calling card to the business world. Build a negative reputation and those doors are hard to open, find that perfect balance of credit responsibility and those doors open when you desire them.
Message 46 of 46
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