Credit Unions for self-employed?

[Expansion]

What Credit Unions do you know of who are good about extending credit to those who are self-employed?

Snapshot of my situation: 
644 Experian
654 Transunion

599 Equifax

My credit utilization almost 100% due to a client delaying and then defaulting on a $13k payment

This weekend, I had a long reconsideration conversation with a PenFed officer who said she needed to see a minimum of 640 Equifax in order to meet the regulations she can follow around extending credit.

I just reached out to Unify after they rejected my credit card application and applied for a personal loan and a debt consolidation loan.

I look forward to all of your ideas

[Anonymous]

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@Expansion wrote:

What Credit Unions do you know of who are good about extending credit to those who are self-employed?

Snapshot of my situation: 
644 Experian
654 Transunion

599 Equifax

My credit utilization almost 100% due to a client delaying and then defaulting on a $13k payment

This weekend, I had a long reconsideration conversation with a PenFed officer who said she needed to see a minimum of 640 Equifax in order to meet the regulations she can follow around extending credit.

I just reached out to Unify after they rejected my credit card application and applied for a personal loan and a debt consolidation loan.

I look forward to all of your ideas

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I don't think it matters much if your self employed. As long as you can prove the income you list.

Lots of credit unions pull EQ. Unfortunately, that's your lowest score.

[Expansion]

Thanks, Donny10!

Along these lines... any thoughts on credit unions that pull transunion? (since it's my highest score?)

[Anonymous]

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@Expansion wrote:

Thanks, Donny10!

Along these lines... any thoughts on credit unions that pull transunion? (since it's my highest score?)

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Your welcome. Others will chime in on which CU's pull TU exclusively.

[UncleB]

Good answers here so far... if you want CU-specific information there's also a large thread dedicated to the topic:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Official-Credit-Unions-Guide/td-p/4768788

[Expansion]

Thanks, UncleB!  I so appreciate you