@Gmood1 wrote:Your profile is stronger than mine, because I have no cards with them.😂
Keep new accounts to a minimum before applying for credit with them.
You'll be fine.
Lol, ok true dat G, but if i had your income id be rocking that rewards card right now
@AverageJoesCredit wrote:
@Gmood1 wrote:Your profile is stronger than mine, because I have no cards with them.😂
Keep new accounts to a minimum before applying for credit with them.
You'll be fine.
Lol, ok true dat G, but if i had your income id be rocking that rewards card right now
Nothing special about my income.
That would be CC and the like.
I don't think the income thing matters with Langley.
They don't like to see large amounts of open tradelines.
@Wavester64 wrote:
@Gmood1 wrote:
@Wavester64 wrote:
@Gmood1 wrote:
@Wavester64 wrote:
@TekkenQQ7 wrote:Sorry to hear that, but keep in mind that too many CU Chexsystem's inquiries may raise a red flag.
Is there a way to monitor one's chexsystem's INQs?
Also what is considered too many CU's by CS?
Depends really on what type accounts you open.
FNBO denied me opening a checking account. But had no issues opening a money market account.
I've opened at least 3 or 4 accounts since. None of the others had issues with my Chex system report.
Infact, it's very rare to be denied a bank account IME.
I've opened 3 CU accounts in the last two weeks. None of them had an issue with my Chex. Opened 7 CU accounts since January 2020. Langley was one of those 7 this year.
So as you can see, the rules don't seem to apply to everyone. Raja has opened more than me I'm sure. And he's still rolling through them like a freight train!!!
I'm well passed 30 and I believe Raja is close to 50.
I would prob open a savings right now, later try for one of their CCs.
Anything special needed for membership? Do they HP membership?
I believe they don't, but I just wanted to make sure.
No they soft pull. One of the easiest CUs I've joined period. Joining takes no more than 10 mins.
Crazy question - does just opening a savings with them give you access to ther FREE EQ Fico 08?
Yup. I only have checking and savings. 
@Anonymous wrote:
@Wavester64 wrote:
@Gmood1 wrote:
@Wavester64 wrote:
@Gmood1 wrote:
@Wavester64 wrote:
@TekkenQQ7 wrote:Sorry to hear that, but keep in mind that too many CU Chexsystem's inquiries may raise a red flag.
Is there a way to monitor one's chexsystem's INQs?
Also what is considered too many CU's by CS?
Depends really on what type accounts you open.
FNBO denied me opening a checking account. But had no issues opening a money market account.
I've opened at least 3 or 4 accounts since. None of the others had issues with my Chex system report.
Infact, it's very rare to be denied a bank account IME.
I've opened 3 CU accounts in the last two weeks. None of them had an issue with my Chex. Opened 7 CU accounts since January 2020. Langley was one of those 7 this year.
So as you can see, the rules don't seem to apply to everyone. Raja has opened more than me I'm sure. And he's still rolling through them like a freight train!!!
I'm well passed 30 and I believe Raja is close to 50.
I would prob open a savings right now, later try for one of their CCs.
Anything special needed for membership? Do they HP membership?
I believe they don't, but I just wanted to make sure.
No they soft pull. One of the easiest CUs I've joined period. Joining takes no more than 10 mins.
Crazy question - does just opening a savings with them give you access to ther FREE EQ Fico 08?
Yup. I only have checking and savings.
AWESOME! That's all I needed to hear, I am in! 
CC can wait for now!
@Gmood1 wrote:Your profile is stronger than mine, because I have no cards with them.😂
Keep new accounts to a minimum before applying for credit with them.
You'll be fine.
+ @Anonymous
OMG, opening Langley savings (and checking) TOO easy. Thanks all.
Maybe someday a CC, but not today.
Saeren, how long before the FICO is avail? I am guessing a month or so.
@Gmood1 wrote:
@AverageJoesCredit wrote:
@Gmood1 wrote:Your profile is stronger than mine, because I have no cards with them.😂
Keep new accounts to a minimum before applying for credit with them.
You'll be fine.
Lol, ok true dat G, but if i had your income id be rocking that rewards card right now
Nothing special about my income.
That would be CC and the like.
I don't think the income thing matters with Langley.
They don't like to see large amounts of open tradelines.
Actually i believe it does as its why i cant have to credit cards or so ive been told. But in the end my friend like you say we each have lenders who choose not to have us while others do
.
@Anonymous wrote:
@Wavester64 wrote:
@Gmood1 wrote:
@Wavester64 wrote:
@Gmood1 wrote:
@Wavester64 wrote:
@TekkenQQ7 wrote:Sorry to hear that, but keep in mind that too many CU Chexsystem's inquiries may raise a red flag.
Is there a way to monitor one's chexsystem's INQs?
Also what is considered too many CU's by CS?
Depends really on what type accounts you open.
FNBO denied me opening a checking account. But had no issues opening a money market account.
I've opened at least 3 or 4 accounts since. None of the others had issues with my Chex system report.
Infact, it's very rare to be denied a bank account IME.
I've opened 3 CU accounts in the last two weeks. None of them had an issue with my Chex. Opened 7 CU accounts since January 2020. Langley was one of those 7 this year.
So as you can see, the rules don't seem to apply to everyone. Raja has opened more than me I'm sure. And he's still rolling through them like a freight train!!!
I'm well passed 30 and I believe Raja is close to 50.
I would prob open a savings right now, later try for one of their CCs.
Anything special needed for membership? Do they HP membership?
I believe they don't, but I just wanted to make sure.
No they soft pull. One of the easiest CUs I've joined period. Joining takes no more than 10 mins.
Crazy question - does just opening a savings with them give you access to ther FREE EQ Fico 08?
Yup. I only have checking and savings.
Unlike Pendread
@Wavester64 wrote:
@Anonymous wrote:
@Wavester64 wrote:
@Gmood1 wrote:
@Wavester64 wrote:
@Gmood1 wrote:
@Wavester64 wrote:
@TekkenQQ7 wrote:Sorry to hear that, but keep in mind that too many CU Chexsystem's inquiries may raise a red flag.
Is there a way to monitor one's chexsystem's INQs?
Also what is considered too many CU's by CS?
Depends really on what type accounts you open.
FNBO denied me opening a checking account. But had no issues opening a money market account.
I've opened at least 3 or 4 accounts since. None of the others had issues with my Chex system report.
Infact, it's very rare to be denied a bank account IME.
I've opened 3 CU accounts in the last two weeks. None of them had an issue with my Chex. Opened 7 CU accounts since January 2020. Langley was one of those 7 this year.
So as you can see, the rules don't seem to apply to everyone. Raja has opened more than me I'm sure. And he's still rolling through them like a freight train!!!
I'm well passed 30 and I believe Raja is close to 50.
I would prob open a savings right now, later try for one of their CCs.
Anything special needed for membership? Do they HP membership?
I believe they don't, but I just wanted to make sure.
No they soft pull. One of the easiest CUs I've joined period. Joining takes no more than 10 mins.
Crazy question - does just opening a savings with them give you access to ther FREE EQ Fico 08?
Yup. I only have checking and savings.
AWESOME! That's all I needed to hear, I am in!
CC can wait for now!
Hey @Gmood1 isnt this what we'd call BLASPHEMY?😄
@M_Smart007 wrote:
@TekkenQQ7 wrote:Sorry to hear that, but keep in mind that too many CU Chexsystem's inquiries may raise a red flag.
This is true, I ran into that 1 time, now just space them evenly apart. no issues now.
Hey buddy - what's your standard time that you feel is good for spacing them apart?
@M_Smart007 wrote:
@Revelate wrote:
@M_Smart007 wrote:
@TekkenQQ7 wrote:Sorry to hear that, but keep in mind that too many CU Chexsystem's inquiries may raise a red flag.
This is true, I ran into that 1 time, now just space them evenly apart. no issues now.
Out of curiosity what spacing do you use?
I haven't kept track of where that is like I probably should've.
So far a minimum of 90 days has been working. I am sure some CU's are more sensitive than others.
The one that was the most picky so far was BECU. (early part of last year.) I have now crossed that hurdle.
For the most part, I try to find Institutions who do not use Chex.
Don't worry about my last question, you just answered it here.
Another question however - is there a way to get your Chex report to see what's on there?