I sorted suspected it was merely a chance but applied to them after being membership approved and opened both a Money Market Account plus Regular Savings. Good part is that it seemed enough for at least a small approval and offered some hope since they they pull experien which is fairly good so far.
Nothing doing. and yet another wasted INQ for nothing, Heck i would been satisfied with a $1000 and work up from there over the course of time.
Credit Unions seem to hate me except PenFed but that's my fate currently and i have to accept it.
Over 10 years perfect on time payments and not once late ever or otherwise with ALL my lenders.
Months on end from 2020 with 1% utilization as well.
That is unfortunate on your denial.
@CreditMagic7 wrote:Thanks @AllZero
Its disgusting to say the least but their risk is 0.
I'm done with wasting time and ruining my INQ's with CU's aside from Navy, Alliant and PenFed all whom give you a chance.
The bigger CUs may be in a position to be a little looser. The other CUs, maybe not so much.
One the plus side, Patelco appears to have decent APY on their accounts.
@CreditMagic7 wrote:I sorted suspected it was merely a chance but applied to them after being membership approved and opened both a Money Market Account plus Regular Savings. Good part is that it seemed enough for at least a small approval and offered some hope since they they pull experien which is fairly good so far.
Nothing doing. and yet another wasted INQ for nothing, Heck i would been satisfied with a $1000 and work up from there over the course of time.
Credit Unions seem to hate me excect PenFed but that's my fate currently and i have to accept it.
Over 10 years perfect on time payments and not once late ever or otherwise with ALL my lenders.
Months on end from 2020 with 1% utilization as well.
Was going to save last post for if Navy approved my recent cli request but chances of that are about the same as me winning lottery lol.
CM7, i feel ya on wasted hps for nothing , im the king of those. Dont feel too bad at being rejected. This is only my opinion and experience, but i feel credit scores are meaningless. Most every application i ever do and get rejected for sights income and debt so those are more important to most lenders. A perfect payment history is nice and all, but once you throw in a bk or a late or a derog that gets tossed out the window imho.
Ive been rejected for a couple CU recently, Affinity says im too poor and too much debt lol. Joined AFFCU but they couldnt pull Eq for a cc app. Approved membership but what good will it do if they cant access my Eq. Stupid as always threw another app at PF to see if my Eq was working . ..hp ! Yes....denied again . I just cant win with them lol. 4 + years 2 pl, perfect paymebt history blah blah they dont care. All they see is low income and debt. I get it understand it but dont agree with their assessment of my profile.
Just have to realize i need to give up the game until i can get a handle on my debt , inqs, etc. Funny thing is my score is going up as my debt goes down little by little. Finally hit 757 Tu and Ex as of today. Lenders dont care.
I guess my big thing for you , and me too, is give our business to those lenders who seem to " treat" our profiles with what we consider good tlc
. Lets not stress those who dont. Time is too short to stress on these " failures" lol . Stay well buddy, i know you will come out stronger on your comeback journey. I just hope to make it back to the trail. ✌
@Curious_George2 wrote:Sincere question: what do you, or others, like about this CU?
The money market APY looks decent. 2% APY up to $2000. They offer blended rates too.
