Rebuilder looking for a good Credit Union

[Brickbybrick]

Ok so I will wait, a bunch of collections fall of next year so I might not make it past 650 for now. So I will wait for a credit union, thank you so much!

[mrldp40]

dent believe the song and dance about unify fcu approving 560 ficos ,just not true . there harder than penfed imo

[Anonymous]

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@mrldp40 wrote:

dent believe the song and dance about unify fcu approving 560 ficos ,just not true . there harder than penfed imo

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Agreed. Unify quoted my score as 651, and denied me. Additionally, their customer service folks are horrible. One I spoke to was somewhat nice, but absolutely clueless; even about simple things that he really should've known. The other person I spoke to I would describe with words I can't write on this forum. I was so dissatisfied with everything about them that I just closed the checking and savings accounts instead of waiting, and trying again down the road. I'd never recommend them.

[mrldp40]

closing mine too .proud to be in with navy and penfed 

[Brickbybrick]

What are PenFeds requirement?

[mrldp40]

you can join penfed thur the navy league 

[Brickbybrick]

I have a fico 8 of 624, should go higher seeing that I just paid all my credit cards down. Do you think I should start with a checking account or savings?

[mrldp40]

i have both my checking account they gave my 500.00 overdraft line of credit automatically scores way lower than yours

[Brickbybrick]

My idea was to get my score a little higher because they hard pull for the checkings and savings account right?

[mrldp40]

They use a score called nexgen 150-950 I heard if u apply for membership with baddies it can hurt you down the road for pre-approvals .I have no experience with that