Applied for Andrews Federal Credit Union

[Anonymous]

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@SouthJamaica wrote:

To you new members of Andrews FCU:

If you apply for a credit product, and do or do not get triple pulled, please let us know.

I am curious as to whether that's a thing with them, or whether I was just unlucky.

If it's a regular practice of theirs, the world (meaning us MyFICO'ers) should know

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Applied for the Titanium Rewards June 2021 and they only pulled Experian.

[kremonis]

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@Anonymous wrote:

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@SouthJamaica wrote:

To you new members of Andrews FCU:

If you apply for a credit product, and do or do not get triple pulled, please let us know.

I am curious as to whether that's a thing with them, or whether I was just unlucky.

If it's a regular practice of theirs, the world (meaning us MyFICO'ers) should know

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Applied for the Titanium Rewards June 2021 and they only pulled Experian.

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@Anonymous 

Thanks for the DP. Now I wonder why Andrews FCU triple pulled SouthJamaica?

[SouthJamaica]

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@kremonis wrote:

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@Anonymous wrote:

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@SouthJamaica wrote:

To you new members of Andrews FCU:

If you apply for a credit product, and do or do not get triple pulled, please let us know.

I am curious as to whether that's a thing with them, or whether I was just unlucky.

If it's a regular practice of theirs, the world (meaning us MyFICO'ers) should know

---

Applied for the Titanium Rewards June 2021 and they only pulled Experian.

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@Anonymous 

Thanks for the DP. Now I wonder why Andrews FCU triple pulled SouthJamaica?

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I guess I looked suspicious to them

[north1]

The entire credit union is an absolute **bleep**show from start to finish. I used them briefly years ago before I requested to close my accounts out. Upon applying again years later, the **bleep** had the nerve to tell me that I had an "unsatisfactory" relationship with them when the only products I had were a checking/savings that were never used and a secured card that I closed out after 2 years and was never late on once, and PIF every month. Apparently me trying to rejoin a few times was enough for them to ban me from membership ever again according to their backend team. Not to mention their credit/loan approvals process is beyond stupid and they require nearly perfect credit and next to zero inquiries within 24 months otherwise it's a decline.

Singlehandedly the worst experience I've ever had with a credit union by far.

[Anonymous]

Good for you! Using a credit card is actually nice especially if you are always on the move, wanting to start a business or someone who prefers not to bring cash around. However, just make sure to pay your monthly or yearly fees to have a good credit score. Having a great credit score means that it will be easier for you to loan money if you ever need it in the future.

[CreditInspired]

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@north1 wrote:

The entire credit union is an absolute **bleep**show from start to finish. I used them briefly years ago before I requested to close my accounts out. Upon applying again years later, the **bleep** had the nerve to tell me that I had an "unsatisfactory" relationship with them when the only products I had were a checking/savings that were never used and a secured card that I closed out after 2 years and was never late on once, and PIF every month. Apparently me trying to rejoin a few times was enough for them to ban me from membership ever again according to their backend team. Not to mention their credit/loan approvals process is beyond stupid and they require nearly perfect credit and next to zero inquiries within 24 months otherwise it's a decline.

Singlehandedly the worst experience I've ever had with a credit union by far.

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Okay, I'm thoroughly confused. If they were so god-awful bad, why would you keep reapplying to join, or am I missing something?

[north1]

This comment was in regards to the BS they pulled upon myself trying to rejoin after having left in good standing. The "Not to mention their credit/loan approvals process is beyond stupid and they require nearly perfect credit and next to zero inquiries within 24 months otherwise it's a decline."  still stands.

[coldfusion]

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@north1 wrote:

This comment was in regards to the BS they pulled upon myself trying to rejoin after having left in good standing. The "Not to mention their credit/loan approvals process is beyond stupid and they require nearly perfect credit and next to zero inquiries within 24 months otherwise it's a decline."  still stands.

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I'm sorry you didn't have a good experience with them, what was your issue with their approvals process?  IME they are not inherently sensitive to inquiries.

[north1]

Wouldn't approve me for an Auto Loan for 65K with multiple previous completed satisfactory loan history with PenFed for 70K+ vehicles at a 760 FICO, 9YR AAoA, under 10% UTI, and an extremely low DTI ratio. Their underwriters basically said "Even with your income and FICO, you have 8 inquiries within the last 24 months, one of which was in the last 2 months and that's too many for our risk tolerance guidelines", as well as implied that they don't trust a 27 year old making 200K+. They said they'd accept a co-signer and 3 years of full tax transcripts (4506-T) to even consider it. Not to mentioned they double hard pulled my EX for both the Auto and CC apps I had put in. I told them to get bent and left the CU.

I tried to rejoin years later as I mentioned when they pulled the s**t I mentioned before, about having an "unsatisfactory" history with them, which was absolute non-sense and then blacklisted me over that and a number of Chexsystems inquiries for bonus chasing with a few other banks in the last few months to boot.

It was honestly the worst experience I've ever had with a bank or CU, and I have a number of banking relationships ranging from credit unions to full on private banks.