@M_Smart007 wrote:
@ptatohed wrote:I only have 2 experiences with credit cards from CUs - nusenda and AOD. nusenda did not ask for proof of income; AOD asked for 4 paystubs, a blood, urine, and stool sample, my first born, and a few of my 20 digits. As for banks, I don't think I have ever in my life been asked for 'proof' of income - just stated income.
On AOD, you forgot The "selfie" ...how could you forget?
I was in my boxers at the time so I made sure it was a waist-up pic! 
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@M_Smart007 wrote:
@KnowledgeSeekr wrote:
@Remedios wrote:
@KnowledgeSeekr wrote:
@Remedios wrote:Just about all CUs can and will ask for POI. There is no way to tell if they will ask you or not.
Sure all can but there are for sure some that more likely not to ask for POI like Navy, Landley, NIH biz, etc. Isn't that the point of both posting data points and asking for dp's to figure out what a creditor is "typically" looking for to get approved?
I don't understand what is it that you're trying to say
NFCU asks for POI sometimes.Langley asks sometimes. You asked for DPs and I answered you with what I know for certain, all CUs will ask some members for POI.
That's a DP and you're free to ignore it since it isn't what you wanted to hear
My friend, has nothing to do with wanting to hear anything. My point is that there are credit unions that rarely ask for POI and some that are more likely to ask for POI with 750+ scores. As mentioned above Dover tends to lean on the more likely side and Navy would lean on the less likely side. Trying to find more that lean on the less likely side. Obviously nothing is guaranteed but the purpose of gathering datapoints is to figure out the best odds for success. Appreciate your input.
So to be quite honest, I have had a 80/20% success rate ..
Not sure if I am the King of credit unions ??..but have been called that.👑
The only way you are really going to find out, is to apply with four leaf clover in one hand
and
1) COPY OF TWO MOST RECENT PAY STUBS in the other hand.
While one person might report Affinity FCU asking for POI, another might not.
The terms YEMV & YMMV might really apply here, more than anywhere else.
I am sure you are aware, most CU's pull ChexSystems for membership,
so you will only get so far in a short period of time.
@M_Smart007HI again, I am lurking and learning so I found this post. I have a question if you had a minute: What do you mean when you say the CU pull ChexSystems and you'll only get so far in a short period of time? Does that mean it shows your income or does that mean you can only have so.many inquiries? TIA
@Jnbmom wrote:
What I think what @M_Smart007 is referring to is CUs will check your Chex reports to see how many bank accounts you have opened recently , some don't like to see too many. Nothing to do with income really .
@Jnbmom Ah ok gotcha, thank you for the clarification. What are the # or the limits of inquiries per year to avoid? I only have 1 in the past decade but I am planning on a few more CU soon.
@butterpecan wrote:
@Jnbmom wrote:
What I think what @M_Smart007 is referring to is CUs will check your Chex reports to see how many bank accounts you have opened recently , some don't like to see too many. Nothing to do with income really .
@Jnbmom Ah ok gotcha, thank you for the clarification. What are the # or the limits of inquiries per year to avoid? I only have 1 in the past decade but I am planning on a few more CU soon.
I don't know if it's true or not, but there seems to be consensus that it's best to wait at least 3 months between new deposit accounts... for those institutions that look negatively on a lot of Chex inquiries.
Thank you, this info is probably buried in this forum somewhere but I have not seen it yet so I appreciate your input. I will search for a list that shows who is turned off by Chex inq. Thx.