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Anyone have experience with them?
Scores?
Who they pull?
Requirements or docs?
Thank you.
You don’t see much about them. What few references I have seen seem to suggest they pull EX but nothing about what scores they want or limits they give.
Yes, I do. There's one down my street. I had a checking account with them, and if I remember correctly, was initially approved for a "platinum" credit card (no rewards, just low APR, like other credit unions) although I can't remember my initial starting limit. It may have been $8K. I was able to get an increase to $15,000 though, and they do use Experian, similar to a ton of other credit unions in my area (Los Angeles County).
Not sure who they pull but I applied and got for their MYPerks rewards CC recently. Few things to be aware off:
@Anonymous wrote:Yes, I do. There's one down my street. I had a checking account with them, and if I remember correctly, was initially approved for a "platinum" credit card (no rewards, just low APR, like other credit unions) although I can't remember my initial starting limit. It may have been $8K. I was able to get an increase to $15,000 though, and they do use Experian, similar to a ton of other credit unions in my area (Los Angeles County).
Do you recall if there's a hard pull for membership?
Kinecta was a HP; pretty sure it was Experian but cant say for sure
Its not that bad but definitely something thats nice to know ahead of time so you can be prepared. No logging in the day your payment is due and making a payment if you havent set everything up ahead of time and transferred over your funds. It had me freaking out a bit when I tried to make my first payment but fortunately I had plenty of time to set everything up before my first payment was due(and when I had a couple of questions and called up for help, everybody was super nice and helpful)
And I KNEW there was one more thing I forgot to mention!! $2 fee for a paper statement after the first one so make sure to sign up for e-billing