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Joining PSECU-Welcome to PSECU!!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Re: Joining PSECU

Took them about 2 1/2 weeks for me.  After they confirmed that they recieved my mailed app, it took them about a week before they looked it over, then they requested a copy of my ID.  Once they received it i didnt hear from them for another week, so i called in and the lad said they were very busy so she would try to work on my account within the next couple days.  a few days later she called and said welcome to psecu.

 

They are very nice people, the new accounts dept is just really busy.


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


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Message 21 of 105
Valued Contributor

Re: Joining PSECU

My app took 1 1/2 weeks, but 2-2 1/2 weeks seem to be normal. It just depends how busy they are really. They are real nice though.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


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Message 22 of 105
Super Contributor

Re: Joining PSECU

I asked them very nicely if I could please email my signed application.  Now, I just hope to not have to send any additional information.  I was told my application was put in line with other applications. 

Message 23 of 105
Member

Re: Joining PSECU

Patience is the key word. It took me 3 weeks to get the welcome package in the mail. They actually needed me to fax something over, but after I did fax it, within the next day I received the welcome e-mail, and the package arrived a few days later. I guess they are really swamped with apps lately. The CSRs are all really helpful and nice though (at least the ones I spoke to).

Oh yeah, and don't get excited if you get the checks really quickly, they seem to send those right away...

Message 24 of 105
Super Contributor

Re: Joining PSECU

 


@codax85 wrote:

Patience is the key word. It took me 3 weeks to get the welcome package in the mail. They actually needed me to fax something over, but after I did fax it, within the next day I received the welcome e-mail, and the package arrived a few days later. I guess they are really swamped with apps lately. The CSRs are all really helpful and nice though (at least the ones I spoke to).

Oh yeah, and don't get excited if you get the checks really quickly, they seem to send those right away...


I didn't see an option to change my address.  There was a note saying the address on the application is what will appear on the checks.  The application wanted a street address, but,  I like for all my mail to got to my P.O. Box.   I will never use the checks anyway, so I guess it's not a big deal.

Message 25 of 105
Senior Contributor

Re: Joining PSECU

I'm curious if they ever did a hard pull on EX, or if you were able to get approved with a soft one. That's one of the reasons why I'm putting off applying for an acct. with them, as I already have 7 inq on EX. It would be great to know if we're able to open an acct with a soft pull from them.

 

Thanks! Smiley Happy

 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 26 of 105
Member

Re: Joining PSECU

Hard pull from EX

Message 27 of 105
Super Contributor

Re: Joining PSECU

 


@bichonmom wrote:

I'm curious if they ever did a hard pull on EX, or if you were able to get approved with a soft one. That's one of the reasons why I'm putting off applying for an acct. with them, as I already have 7 inq on EX. It would be great to know if we're able to open an acct with a soft pull from them.

 

Thanks! Smiley Happy

 


They did a soft pull.  I have a freeze on my EX report.   I don't see why they should do a hard pull if I only applied to become a member and  get a savings and checking out. 

Message 28 of 105
Super Contributor

Re: Joining PSECU

Got a call from PSECU today.  They asked about the credit freeze on my EX report.  The rep said she was not able to access my report.    I don't understand when there is a soft inquiry showing up.  She said it's up to me if I want to continue the  process, but I have to lift the freeze. 

Message 29 of 105
Established Contributor

Re: Joining PSECU


@DI wrote:

Got a call from PSECU today.  They asked about the credit freeze on my EX report.  The rep said she was not able to access my report.    I don't understand when there is a soft inquiry showing up.  She said it's up to me if I want to continue the  process, but I have to lift the freeze. 


Yikes - thats what I thought.

FICO: EX: 740 (1/18); TU: 753 (12/17); EQ 777 (12/17)
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Message 30 of 105