SDFCU......denied?

[nosup4u]

Called in and talk with CSR and she told me that yes I do have a perfect history with them never been late or over the limit but the "system" does a review every january 1st to see about unsecuring cards and when they last ran my Equifax report it shows up as zero so they think its that I have my file frozen in which I do not I think I have a merged file and I don't want to mess with it because I have a BK and equifax is the only one that doesn't show it so until it get removed in March 2023 Im not messing with Equifax they will just fudge it up anyway and create more problems than what it is worth .  I asked for a manuel review and she said they coudn't do that its all system generated which I thougth was odd cause they run Experian for all credit products that I know of so for now I guess I'm not going to worry about it but i can tell you that I can't get a free annual credit report from Equifax as it comes up with errors and my walmart card when I try and do a CLI always comes back as Credit information unavailable.  Oh what to do anybody have any suggestions?

[trubliever82]

i was denied years ago for cc and sent in a recon letter explaining each imperfection on my report and was approvedn for like $500 or $1000, I cant remember. ive tried over the years for their loc but they want your dna **bleep** near so i dont comply. however my limit has been auto increased to $38,500 over the years. a few thousand here and there. I get 0% checks i can write to myself all the time. Definitely stingy, but im happy with them. would love their moneyline of credit but i gave up on that.

[IaBoy62]

Denied my loan committee as well.... I don't think SDFCU and me are a good fit so I closed my accounts with no hard feelings...just moving on.

They did a SP on my EQ report this past January when I expected my secured card to graduate and unfortunately I have about 10 accounts that were included in bankruptcy still showing as good accounts with $70,000 of available credit.

I suspect if they had only looked at my experience account my card probably would have graduated.

[Anonymous]

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@trubliever82 wrote:

i was denied years ago for cc and sent in a recon letter explaining each imperfection on my report and was approvedn for like $500 or $1000, I cant remember. ive tried over the years for their loc but they want your dna **bleep** near so i dont comply. however my limit has been auto increased to $38,500 over the years. a few thousand here and there. I get 0% checks i can write to myself all the time. Definitely stingy, but im happy with them. would love their moneyline of credit but i gave up on that.

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What do you mean you get zero percent checks that you write to yourself?