@radicaL wrote:I figure I'd bring this old thread back to life as well. Since I was experiencing the same issues with PenFed, I decided to switch and give Langley a try as well. Very happy with there Customer Service. Super nice people. I opened an account and then applied for the Select Visa and was approved for 5K!!! I couldnt even get PenFed to budge on any of there products. Oh well, So long PenFed!
Congratulations on your approval!
@AverageJoesCredit wrote:
Ok, just checked. When i applied in July for membership, i had 2 hps from 4/17 and 5 hps from first 6 months of 2018. So 7 total, 5 in last 6 months. When i apped the Cash Back , including the hp from Langley in July, i had 8 total hps, 6 hps in 10 months. Yikes, writing it down shows how much credit ive been seeking haha. Time to stop. Hope those dps help BigBS
AJC, believe it or not I am interested in this CU mainly to get the monthly FREE EQ score 
Do you still like them? What are they sensitive to? What do I need to do for membership? 
@Wavester64 wrote:
@AverageJoesCredit wrote:
Ok, just checked. When i applied in July for membership, i had 2 hps from 4/17 and 5 hps from first 6 months of 2018. So 7 total, 5 in last 6 months. When i apped the Cash Back , including the hp from Langley in July, i had 8 total hps, 6 hps in 10 months. Yikes, writing it down shows how much credit ive been seeking haha. Time to stopAJC, believe it or not I am interested in this CU mainly to get the monthly FREE EQ score
Do you still like them? What are they sensitive to? What do I need to do for membership?
Hey @Wavester64 i really do like Langley. They have been good to me in my year plus with them. 1 credit card 1 ploc , 2 auto increases, 1 Covid skip a nonth paying on cc, i honestly cant complain. Its been awhile since i opened account but i brlieve it was a pull from Equifax thst you can use to apply for other credit products within first 30 days. Recent dps seem to show they can be sensitive to credit seeking or tons of credit i think but in all honesty, as @Gmood1 would say, its only a hp to see where you stand. Best of luck my friend
@AverageJoesCredit wrote:
@Wavester64 wrote:
@AverageJoesCredit wrote:
Ok, just checked. When i applied in July for membership, i had 2 hps from 4/17 and 5 hps from first 6 months of 2018. So 7 total, 5 in last 6 months. When i apped the Cash Back , including the hp from Langley in July, i had 8 total hps, 6 hps in 10 months. Yikes, writing it down shows how much credit ive been seeking haha. Time to stopAJC, believe it or not I am interested in this CU mainly to get the monthly FREE EQ score
Do you still like them? What are they sensitive to? What do I need to do for membership?
Hey @Wavester64 i really do like Langley. They have been good to me in my year plus with them. 1 credit card 1 ploc , 2 auto increases, 1 Covid skip a nonth paying on cc, i honestly cant complain. Its been awhile since i opened account but i brlieve it was a pull from Equifax thst you can use to apply for other credit products within first 30 days. Recent dps seem to show they can be sensitive to credit seeking or tons of credit i think but in all honesty, as @Gmood1 would say, its only a hp to see where you stand. Best of luck my friend
So they HP membership? I was going to join now with a savings account and then work on a CC in a few months to get my FREE EQ Fico 08 But if they HP membership, I might as well wait until I feel I am ready to app for one of their CCs.
No they do not HP for membership. It's a SP on EQ.
Also they send out pre-approvals as well.
So you might get one before you actually apply for a credit card.
The preapprovals are the one thing ive never seen myself but it is an awesome thing for those who get them.
Lol maybe my hp was from my cc app. Im getting too old