@Anonymous wrote:
@Anonymous wrote:my scores good enough? i got like a month before 3 new accounts start reporting?
I don't think anyone knows what their underwriting criteria is or even what bureau they pull.
Right. I got as far as Primary Applicant's State Of Residence (Ohio) as far as not being restricted geographically. I'm going to let this one simmer for a bit 
@FinStar wrote:
@Anonymous wrote:
@Anonymous wrote:my scores good enough? i got like a month before 3 new accounts start reporting?
I don't think anyone knows what their underwriting criteria is or even what bureau they pull.
Right. I got as far as Primary Applicant's State Of Residence (Ohio) as far as not being restricted geographically. I'm going to let this one simmer for a bit
I've generalized my view of CA CUs after my Golden 1 experience. The app form was perfectly happy to take MA as state of residence, only after a pull did they realize that they couldn't issue credit there.
@Themanwhocan wrote:
@baller4life wrote:
I vote Irish,Finstar,B335is and youdontkillmoneyNot Ron1 or Creditaddict?
Did someone mention my name? 
Ron.
@Anonymous wrote:I was recently approved for BEFCU's Visa with CL $1,000 but my rate is 7.49% (not 4.99% but then again my credit is very limited in history (~4 years total, AAOA ~1 year)).
I volunteer at a nearby hospital and decided to stop by the credit union to join in person. The credit union is fairly small and I think they work on a more personal level than big banks and big credit unions.
My Visa application was sent July 9th and I joined membership later on July 14th. They were unable to process my application until after I became a member. I did, however, receive an email from a loan officer a day after my application so very prompt responses. From July 14th to July 16th, I was asked to send many documents (never had to do this before but heard about it on these forums). The loan officer was also concerned/surprised I had so much revolving credit and I told them I was rebuilding credit and wanted to diversify accounts with lenders. They had a credit committe review my application and I was approved a day after.
Still waiting for the card in the mail. Definitely excited to have a low APR from a local CU. Thanks for alerting my attention to this credit union, Themanwhocan!
Edit: 1 HP on Experian for CC, no pull for membership
Hmmm. Any idea what your scores are and if you have anything but positive tradelines? Actually did they send you a letter since technically you didn't get their best offer rate wise? In Riverside, double hrm.
Funny when you type in BEFCU into Google and their first response is: did you mean becu?
Triple hmm, itty bitty CU: "grown its membership to over 2,637 with assets of more than $37,288,279."
Oh god, just clicked on their top 100 CU's on this site and the CU a coworker of mine who actually just asked me for a credit building plan, his CU which had all of 2 entries in the various credit pull databases, is #4th by assets in Santa Ana. Not sure why I restricted my search to LA county, dumb das me.
@Anonymous wrote:I was recently approved for BEFCU's Visa with CL $1,000 but my rate is 7.49% (not 4.99% but then again my credit is very limited in history (~4 years total, AAOA ~1 year)).
I volunteer at a nearby hospital and decided to stop by the credit union to join in person. The credit union is fairly small and I think they work on a more personal level than big banks and big credit unions.
My Visa application was sent July 9th and I joined membership later on July 14th. They were unable to process my application until after I became a member. I did, however, receive an email from a loan officer a day after my application so very prompt responses. From July 14th to July 16th, I was asked to send many documents (never had to do this before but heard about it on these forums). The loan officer was also concerned/surprised I had so much revolving credit and I told them I was rebuilding credit and wanted to diversify accounts with lenders. They had a credit committe review my application and I was approved a day after.
Still waiting for the card in the mail. Definitely excited to have a low APR from a local CU. Thanks for alerting my attention to this credit union, Themanwhocan!
Edit: 1 HP on Experian for CC, no pull for membership
Congrats! It looks like they are a Riverside based CU. I wonder how they would look at an application from the Bay Area. With 2600 members, it looks like a tiny little CU, but their rates look good on a number of products.
