PSECU Membership

[daisyduke]

Hello - our company was approved for membership to PSECU. I happened to look on their website and voila, sure enough our company name appeared.

So this am, I  applied for membership online and totally forgot that I am frozen on EX - check this out - they softed me - went in backdoor via EX to check it and sure enough, membership was a soft!

Does anyone know if all membership is a soft?  or was it a soft for me b/c I'm frozen? (note: just set up membership account which isn't the time to app for credit product)

Thanks for any information. Have a nice day.

[MarineVietVet]

I don't know if that will be a soft or not but I want to remind you that as a member of PSECU you can get your Experian FICO score now.

Congratulations!! Would you like a new brother? 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

[daisyduke]

Yes, that free EX Score - can't wait to find out how bad it is. lol - I guess after my membership gets approved and set up, I'll ask em..

 I would like to adopt YOU as my brother, MVV!!

[MarineVietVet]

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@daisyduke wrote:

Yes, that free EX Score - can't wait to find out how bad it is. lol - I guess after my membership gets approved and set up, I'll ask em..

 I would like to adopt YOU as my brother, MVV!!

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Hey O6!!! Can you do the paperwork??  

[Anonymous]

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@MarineVietVet wrote:

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@daisyduke wrote:

Yes, that free EX Score - can't wait to find out how bad it is. lol - I guess after my membership gets approved and set up, I'll ask em..

 I would like to adopt YOU as my brother, MVV!!

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Hey O6!!! Can you do the paperwork??  

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By the power vested in me by President Obama, I now pronounce you man and ...

Ooops!  Wrong paperwork. 

[Anonymous]

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@MarineVietVet wrote:

I don't know if that will be a soft or not but I want to remind you that as a member of PSECU you can get your Experian FICO score now.

Congratulations!! Would you like a new brother? 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

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Just out of curiosity, if one were to add a relative or a household member, would PSECU then report your address as that of the original account holder and then your CR would show an additional address?

[daisyduke]

I just knew I would get remarried again some day, just never thought it would happen with my adopted brother!!

[IOBA]

And I am your sister-in-law, right?    I am really good with money and I have kids to loan out!!  

I guess I should say, Pick me, pick me!!

[Anonymous]

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@IOBA wrote:

And I am your sister-in-law, right?    I am really good with money and I have kids to loan out!!  

I guess I should say, Pick me, pick me!!

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Me too!!

Getting EX FICOs would be great!!

[RobertEG]

Whether any credit inquiry is recorded as a so-called "hard" or "soft" pull is totally unregulated, except for promotional inquiries, and those you make for your own CR.

If you request a business transaction or the extension of credit, they have a permissible purpose to pull your entire CR.

How they code it is up to them.

When I opened my current CU account a few years ago, it was recorded as a hard-pull.  They also did a hard pull when I later applied for a CC through them.

Quite frankly, I doubt that most CU data entry clerks even know the difference.

if you authorize a family member to join your CU, any credit reporting to that family members credit file is totally separate from yours.

So, no, reporting by the CU to family member's credit file wont be entered into your credit file.