UFCU in Austin Texas

[Anonymous]

Does anyone have any experience with UFCU (University Federal Credit Union) in Austin? i have a few questions.

[Ghoshida]

What would you like to know?

[Anonymous]

I filed BK in 4/2015. discharged 8/2015. opened account with UFCU in 4/2015. opened a shared secured loan with them. my last payment is in 2 days. i am wanting to apply with credit with them. I was told by a loan officer there that they pull from Experian which is my best score as of now (611). do you know what kind of scores they look for? looking for either a LOC or a CC. i am really wanting to refinance my car loan with them but i think i am going to hold off on that for another 3 months or so. any input? suggestions?

[Ghoshida]

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@Anonymous wrote:

I filed BK in 4/2015. discharged 8/2015. opened account with UFCU in 4/2015. opened a shared secured loan with them. my last payment is in 2 days. i am wanting to apply with credit with them. I was told by a loan officer there that they pull from Experian which is my best score as of now (611). do you know what kind of scores they look for? looking for either a LOC or a CC. i am really wanting to refinance my car loan with them but i think i am going to hold off on that for another 3 months or so. any input? suggestions?

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I don't have experience with BK but I got my first card with them.

They used to pull EQ and looked for a mid-600 scor for good credit. I don't know for sure their current credit critieria but they are a very nice CU. 

[jacetx]

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@Anonymous wrote:

Does anyone have any experience with UFCU (University Federal Credit Union) in Austin? i have a few questions.

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I'm in Austin and 2 years post BK I applied for credit with them and was flat out denied because of the BK. I went with RBFCU and they approved me for my 3rd credit card post BK. RBFCU also offers secured cards if this is something that you are interested in. With your BK being that recent it will be a little difficult to get any unsecured cards but YMMV. This year I was approved for a $7k signature loan and last week my card went from $4k to $14k. If you join, treat them well and they will return the favor.

[Anonymous]

they ended up approving me for $500.00 credit card. it's a start

[Anonymous]

glad to see the austin love in here!!!

[jacetx]

Congratulations! Indeed its a start! Now establish a good payment history, keep your utilization low, and watch your scores grow. Also keep in mind that every time you request an increase with them it is a hard pull which you can use to apply for another loans within 30 days.

[Anonymous]

Should i use the card a lot and PIF couple days before statement cuts? Or barely use it at all?

[Anonymous]

Congrats! OP! I'm always looking for a CU in Texas. I may look them up