Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

[Anonymous]

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@britt585 wrote:

Congrats.....Can you share memebership process for Langley CU?...Hard pull, chex?

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This was last year but I believe it was chexsystems pull soft inquiry for membership. Someone can feel free to correct me if I'm wrong. They are on my chexsystems report from last year so I know that is true.

[5KRunner]

When I joined Langley, they pulled EQ, and pulled it again when I applied for the Cash Back card.

[britt585]

Thanks I called and the CSP she said its a SF pull to EQ and IO asked about chex, she just said they use different credit agencies to identify you....She never said yes to chex!!!...ugh....I have my chex on ice.....They offer credit rebuilder loan....

[Anonymous]

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@Anonymous wrote:
So that's your white whale!! Lol

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Actually US Bank is. I burned them in my BK but I'm not blacklisted. Two no's for new accounts on Cash+ because I'm a terrible gardener. 🤣 

Three no's if you count the app that got declined because I had EX frozen thinking they pulled TU. 

Citi always said no too but I cracked them in September.

[jaxstraw]

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@britt585 wrote:

Congrats.....Can you share memebership process for Langley CU?...Hard pull, chex?

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Once I become a member of Langley within a few months I started seeing pre-approvals on my accounts page.

Auto loan for 25k

CC for 15k

And just this month an auto refi for 20k

I like CU's that do pre-approval offers.....

[Anonymous]

I had to remove chex systems freeze to apply. Denied BECU membership last week due to chex systems😔

[Anonymous]

I cracked Citi via Costco Recon a year ago. 7+yrs post BK now Approved Rewards+😁 $16K

[M_Smart007]

Congrats on yer approvals!!!

[Anonymous]

THANKS!!

[coreyb80]

Congrats on the approval!!

This post inspired me to apply for membership with Langley.  Currently in 13 for another year and half so no credit yet, but I'll look to save a little money with them and establish relationship.  I didn't get a credit alert, but I did get an email from them asking for ID and util bill.  I sent it over so I should find out tomorrow.