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My Library of Congress FCU Visa doesn't report to EX

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Established Contributor

My Library of Congress FCU Visa doesn't report to EX

I actually see this as a positive to a point.
It's like carry a hidden tradeline on one CRA.
Was wondering if anyone else has a CC that does something similar ?
( On a sidenote my PL with LoC FCU only reports to EQ.....the CC is both EQ and TU )
Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 1 of 10
9 REPLIES 9
Community Leader
Super Contributor

Re: My Library of Congress FCU Visa doesn't report to EX

How long have you had the card? Its possible EX is lagging behind? Heck, my USAA card took 3 months to show up there.

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 2 of 10
Established Contributor

Re: My Library of Congress FCU Visa doesn't report to EX

Interesting ... Every day on this forum I read about a new lender and a new card I had never heard of before!

 

I had no idea Library of Congress had a FCU! Smiley Surprised 

 

And interesting that it isn't reporting ...

 

Looks like a pretty good low-rate card (9.75% purchase; 8.75% balance transfers with no BT fee!)

 

Have you enjoyed it?

 

https://proxy.duckduckgo.com/iu/?u=https%3A%2F%2Fwww.lcfcu.org%2Fhome%2FfiFiles%2Fstatic%2Fimages%2FVisaCardUPDATE2016.png&f=1




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9.5+ years; AoYA = less than 1 year (Aug 2019)
Total Open Credit Lines Over $400K. Utilization Less Than 1%. Inquiries until May 2020 (TU:1 -- EQ:0 -- EX:5)
*Hover cursor over each card to see name, CL
Message 3 of 10
Established Contributor

Re: My Library of Congress FCU Visa doesn't report to EX


@pizza1 wrote:
How long have you had the card? Its possible EX is lagging behind? Heck, my USAA card took 3 months to show up there.

I've had it since April ...as well as the PL.

So 5 months.

I'm actually calling tomorrow to refi my new van with them and am planning on asking if they report to EX at all.

Van story is interesting.

I bought a new van three weeks ago....at the same time I was looking to refi my pickup. ( neither is with LoC)

LoC FCU told me they wouldn't refi pickup since it is before 2012.

For kicks I asked her what their rate would be for the van I just bought a few days earlier.

She came back with 2.85%.......and I just bought at 3.99

She told me she would hold the date for a month with same pull and to contact her as soon as I was ready.

So tomorrow I am pulling the trigger on that.....and I wonder if it will report to EX at all when I refi.

Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 4 of 10
Established Contributor

Re: My Library of Congress FCU Visa doesn't report to EX


@Aim_High wrote:

Interesting ... Every day on this forum I read about a new lender and a new card I had never heard of before!

 

I had no idea Library of Congress had a FCU! Smiley Surprised 

 

And interesting that it isn't reporting ...

 

Looks like a pretty good low-rate card (9.75% purchase; 8.75% balance transfers with no BT fee!)

 

Have you enjoyed it?

 

https://proxy.duckduckgo.com/iu/?u=https%3A%2F%2Fwww.lcfcu.org%2Fhome%2FfiFiles%2Fstatic%2Fimages%2FVisaCardUPDATE2016.png&f=1


Actually one of my faves.....great little CU.

So far the CS has been outstanding.

Plus i love the look of the card.

I joined a library association for membership.....it is a local VA ilibrary but the membership is done online they didn't care if I lived in the area.......and from there joined the CU.

Kind of backdoor but it got me in.

Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 5 of 10
Regular Contributor

Re: My Library of Congress FCU Visa doesn't report to EX

Deserve doesn't report to EQ and HSBC doesn't report to TU. Both are super annoying
Amex Gold (NPSL); Amex Green (NPSL); Charles Schwab Investor (27.6k); PNC CR (17.5k); HSBC Premier WEMC (11k); Amex BBP (9k); Macy's Store (8.5k); AEO Visa (8k); GAP Visa (8k); HSBC Advance (7.5k); B&H Payboo (6k); Amazon Store (6k); PNC Premier Traveler (5k); Discover It (4.2k); Nordstrom Store (4k); Apple Card (2.5k); Discover It (1.5k); Delta Platinum (1.4k); Amex Everyday (1k); BofA CR (1k); Citi TYP (1k); TJX MC (0.8k); Deserve Edu (0.5k)
Started collecting cards: Oct/2018
Inquiries: EX (25); TU (24); EQ (16)
Got all the cards I need, so all reports are frozen until Nov/2020 for Altitude Reserve or Amex Plat 100k offer Smiley Tongue
Message 6 of 10
Established Contributor

Re: My Library of Congress FCU Visa doesn't report to EX


@MrCreditInternational wrote:
Deserve doesn't report to EQ ...

 

Lol ... SEE!!!  There's another one!!  (I hadn't heard of before ... )  Smiley LOL

 

For a $500 CL, if they are a PITA, I would just dump them ...

 

You have plenty of other credit lines.  Sometimes, they just aren't worth fooling with.

 

 

"Sponsoring Universities Nationwide"

 

"Helping students gain access to credit on 2500 campuses and counting."

 

PO Box 1286
Menlo Park, CA 94026-1286
1.800.418.2362
hello@deserve.com

 

https://wp2prod.deserve.com/wp-content/uploads/20190821190503/Classic2122.jpg 

 




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9.5+ years; AoYA = less than 1 year (Aug 2019)
Total Open Credit Lines Over $400K. Utilization Less Than 1%. Inquiries until May 2020 (TU:1 -- EQ:0 -- EX:5)
*Hover cursor over each card to see name, CL
Message 7 of 10
Super Contributor

Re: My Library of Congress FCU Visa doesn't report to EX


@jaxstraw wrote:

@Aim_High wrote:

Interesting ... Every day on this forum I read about a new lender and a new card I had never heard of before!

 

I had no idea Library of Congress had a FCU! Smiley Surprised 

 

And interesting that it isn't reporting ...

 

Looks like a pretty good low-rate card (9.75% purchase; 8.75% balance transfers with no BT fee!)

 

Have you enjoyed it?

 

https://proxy.duckduckgo.com/iu/?u=https%3A%2F%2Fwww.lcfcu.org%2Fhome%2FfiFiles%2Fstatic%2Fimages%2FVisaCardUPDATE2016.png&f=1


Actually one of my faves.....great little CU.

So far the CS has been outstanding.

Plus i love the look of the card.

I joined a library association for membership.....it is a local VA ilibrary but the membership is done online they didn't care if I lived in the area.......and from there joined the CU.

Kind of backdoor but it got me in.


I don't see anything on their website about being eligible to join if you're a member of any association.


Total revolving limits 730000 (603500 reporting) FICO 8 scores: EQ 722 TU 764 EX 734
Message 8 of 10
Established Contributor

Re: My Library of Congress FCU Visa doesn't report to EX


@SouthJamaica wrote:

I don't see anything on their website about being eligible to join if you're a member of any association.


He said it was backdoor through a veteran's library association.  I didn't see that but I did find three library support associations you could join as a member for $15 annual dues.  And the CU website says once a member, always a member.  I noticed a link on the Delaware Library Association that mentions you are eligible for membership in LCFCU.

 

   The Association of Rural and Small Libraries

          https://arsl.info/

   Mount Pleasant Library Friends in Washington, D.C.

         https://www.dclibraryfriends.org/MtPleasant-Friends

   Delaware Library Association

        https://dla.lib.de.us/membership/




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9.5+ years; AoYA = less than 1 year (Aug 2019)
Total Open Credit Lines Over $400K. Utilization Less Than 1%. Inquiries until May 2020 (TU:1 -- EQ:0 -- EX:5)
*Hover cursor over each card to see name, CL
Message 9 of 10
Established Contributor

Re: My Library of Congress FCU Visa doesn't report to EX

It was the Virginia Library Association.
I did it online at night and use an ACH payment.
There was a question about what district or zone I was in and I just checked any box. I believe the intent is for it to be for folks who live in Virginia but as long as it processed it didn't matter.
The way I see it the membership fee helps a great organization and as a bonus now I'm a member.
It processed the payment and the next day I got an email with my membership info.
From there I went online and joined the CU.
Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 10 of 10
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