NFCU and Chexx Systems

[Anonymous]

I think I have finally found a way into NFCU through my wife! So excited.

Quick question: Does anyone know NFCU's guidelines on Chexxsystem reporting? My wife has a baddie on there that she is fighting to get a PFD on that might block her from getting in (long story short, Wachovia screwed her over on overdraft fees when she wasn't at fault and she's not going to pay it until she gets a PFD). Will that stop her from getting in?

Thanks in advance. :-) 

[pizzadude]

Since you will be opening a checking or savings account with them I would assume they'd pull Chex as well as EQ or TU.

If no one else posts a definite answer I'd just call and ask ~ they are usually very helpful.

[Anonymous]

Wow. If what my wife was just told over the phone was correct, NFCU won't turn you down if you are going for a simple checking account, regardless of Chexx or credit history. As long as you meet the eligibility and as long as the baddies you have "are not with them" they are going to let you in.

I'll pass along the good news tonight if this works out.

***They will hard pull all 3 bureaus, though ... FYI***

Keep your fingers crossed! 

[SoulMaster]

No, they don't.  They just pull TU.

I was hesitant to app w/ a chex report from Citi, but opened my account no problem after googling for an answer.  As always, YMMV, but they certainly didn't pull mine.

-SM

[Anonymous]

Ok. I thought the all 3 bureaus was a stretch, but that's supposedly what my wife was told (who knows?).

Was that just entrance or for a CC or something else? 

[pizzadude]

Yeah, I was told by one of their CSRs that they don't pull your credit at all when you join.   Obviously that wasn't true, but just goes to show that many front line CSRs can be misinformed about credit reporting & inquiries.    They hard pulled TU when I joined.

Hopefully you can get around the Chexsystems issue ~ good luck !  Let us know how it goes !

[Anonymous]

For what it's worth, usually ChexSystems is a LOT more lenient than CRA's.

Once you pay, they withdraw the information.

And you have no idea ow many times I've seen BoA or Wachovia (In the past) pop up on ChexSystems and 90% of the time, it was the same thing: overdrafts compounding to eat more into Overdraft Land.

[Anonymous]

AND I AM OFFICIALLY A MEMBER OF NFCU!!!!

[pizzadude]

Congrats !!!  NFCU is fantastic ~ are you going to app for a CC or Auto loan anytime soon ?

[Anonymous]

Not really sure. They pull only EQ for new credit, correct?

What about for HELOC's? That's truly the ultimate goal, here. I might start asking around the board regarding that.