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BECU APP IN REVIEW

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Community Leader
Mega Contributor

Re: DCU MEMBERSHIP DENIAL

OP has had a very active credit seeking period recently, and "do they use Chex or EWS" has come up in many threads.

If you're unable to get that loan from multiple lenders at the moment, it will have to either wait or avoid those using either one (may not be an easy thing considering that's mostly everyone)

EWS has by far more comprehensive info than Chex. It includes beginning and ending balances for each month, deposits, new depository accounts, withdrawals, overdrafts etc.
Chex only reports inq, accounts, and negatives.

The only CU that I know of not being overly sensitive to inq is BECU, if you can get past verification and fraud teams (unless you live in the state where they have presence)
They are actually great with new(ish) and less than perfect profiles, but again, ID verification
can be a bit of a pain for some. There are plenty who did not encounter this issue, so might be worth a try.
EX 759 EQ 774 TU 753


Message 21 of 22
Regular Contributor

Re: DCU MEMBERSHIP DENIAL

While not overly inquiry sensitive, BECU can be somewhat. 

I was initially denied membership due to more than three inquiries within 90 days.

Message 22 of 22
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