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Credit unions that don't pull from chexsystems

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mfinsmi1
Established Contributor

Credit unions that don't pull from chexsystems

Anyone have any recommendations - i wanna grow up credit union relationships for the future while im waiting for my chexsystem to cool off 

Personal Cards (Over $100k):

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Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 1 of 5
4 REPLIES 4
FireMedic1
Community Leader
Mega Contributor

Re: Credit unions that don't pull from chexsystems

Message 2 of 5
RobynJ
Established Contributor

Re: Credit unions that don't pull from chexsystems

I have joined 3 CU's this year, Del-One, PenFed, and NavyFCU and the only one that is on my checksystems report is Del-One

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Message 3 of 5
bigseegar
Established Contributor

Re: Credit unions that don't pull from chexsystems


@RobynJ wrote:

I have joined 3 CU's this year, Del-One, PenFed, and NavyFCU and the only one that is on my checksystems report is Del-One


Maybe not an absolute though as PenFed did check my Chexsys (which is and always has been Clear) when I joined a couple years ago.

Message 4 of 5
RobynJ
Established Contributor

Re: Credit unions that don't pull from chexsystems

I won't pretend to know the policy, I can only go by what they did with me. The only thing Penfed or Navy did was a SP and nothing else until I applied for a card with Navy and then of course a HP. Once again these are what they did for me. I checked my ChexSystem report probably about 3 weeks ago and also my sagestream/Lexusnexus report maybe a month or two ago. 

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Starting Score:
0

Current Score:
My highest 818

Goal Score:
850


Take the myFICO Fitness Challenge



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Message 5 of 5
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