PMCU chex sensitive?

[Anonymous]

I am planning to apply for membership at Premier members credit union. How sensitive are they for chex?

[M_Smart007]

@AllZero, Do you have that link to who/what CU's pull Chex?

[AllZero]

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@M_Smart007 wrote:

@AllZero, Do you have that link to who/what CU's pull Chex?

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@M_Smart007  I don't recall a master thread for Chex alone? To be on the safe side, I presume all CUs are ChexSystem sensitive before applying and doing due diligence.

Search bar did yield some information. https://ficoforums.myfico.com/t5/forums/searchpage/tab/message?advanced=false&allow_punctuation=fals...

[gregorius]

There are 3 reports on Doctor of Credit that they've been sensitive to *something* recently. At first blush it looks like EX inquiries, but without any other context the comments just sound like FICO "reason codes" so it might be unrelated nonsense.

"too many inquries from Experian credit report"

"too many inquiries in the last 12 months, too many accounts with balances, too many accounts recently opened" (is it just me, or do these sound like FICO 5?)

"too many account inquiries in last 12 months and 'too many account open'"

Like AllZero said, it's a good idea to assume they'll pull Chex.

[Anonymous]

Thank you all! I guess I will skip them for now.

[M_Smart007]

Thank You @AllZero !