@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:i m a member of FirstTech and to my knowledge they are very conservative & uses Experian for credit/ploc n i was awarded $10k with a 720+ experian fico 8 score . The reward points aren't that good but for any CL increases its a hard pull only. They also gave me a 2% reduction on my APR without asking for it.
First Tech conservative vs. who? NFCU? Not a good comparison.
Vs. Most? Plenty of First Tech approvals which might suggest differently and that certainly hasn't been my experience with them.
They literally handed me a 20k check in the form of a personal loan, with a less than year old 30D late to say nothing of the 25K revolver they gave me when I still had tax liens on file.
But how were your total limits in relation to your income?
It seems they don’t like to lend to people who already have a lot of credit from reports around here but are generous to thinner files.
If you include the HELOC I was about at 1:1 for the card, about the same for the personal loan but I was dirty the first time and with a recent 30D late on the second.
That doesn't strike me as conservative in any real sense of the word compared to other lenders we've seen here over time; honestly I don't know if your situation as retired is the same TBH, but there are a lot of lenders that would kick me out for either of those two issues.
@Anonymous wrote:...They wanted my social security card, my SSDI award letter for this year, my NFCU membership card, my drivers license, my Comcast bill, and a letter of intent for joining the CU.
... Fortunately I complained to NWCUF and got my $20 back
That's...a lot of info.
Did NWCUF give you a hard time about the refund? I was declined bc of ChexSystems. I want my money back! LOL
@cr101 wrote:
@Anonymous wrote:...They wanted my social security card, my SSDI award letter for this year, my NFCU membership card, my drivers license, my Comcast bill, and a letter of intent for joining the CU.
... Fortunately I complained to NWCUF and got my $20 back
Did NWCUF give you a hard time about the refund? I was declined bc of ChexSystems. I want my money back! LOL
Nope. I sent them an email with my foundation number and told them that I would like a refund and went into what they put me through and that I was ultimately unable to keep my membership. Refund came in the next day.
A lot of these foundations are literally set up exclusively as a means to work around NCUA rules regarding credit union field of membership policies. There is no reason why they should not be required to give you a refund if your membership is denied.
if you still want in with the CU just wait unitl your NWCUF almost expire and give it another shot
@cr101 wrote:
@Anonymous wrote:...They wanted my social security card, my SSDI award letter for this year, my NFCU membership card, my drivers license, my Comcast bill, and a letter of intent for joining the CU.
... Fortunately I complained to NWCUF and got my $20 back
Did NWCUF give you a hard time about the refund? I was declined bc of ChexSystems. I want my money back! LOL
