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Rebuilder looking for a good Credit Union

Brickbybrick
Regular Contributor

Re: Rebuilder looking for a good Credit Union

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!

5/27/17 Experian: 679 Equifax: 628 TransUnion: 630
Cap1 QS:600 Credit One: 600 Merrick Bank: 550 Amex: 500 JCrew: 250
Message 11 of 24
mrldp40
Established Contributor

Re: Rebuilder looking for a good Credit Union

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

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 12 of 24
Kjohn1
Regular Contributor

Re: Rebuilder looking for a good Credit Union


@mrldp40 wrote:

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


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.

Message 13 of 24
mrldp40
Established Contributor

Re: Rebuilder looking for a good Credit Union

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

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 14 of 24
Brickbybrick
Regular Contributor

Re: Rebuilder looking for a good Credit Union

What are PenFeds requirement?

5/27/17 Experian: 679 Equifax: 628 TransUnion: 630
Cap1 QS:600 Credit One: 600 Merrick Bank: 550 Amex: 500 JCrew: 250
Message 15 of 24
mrldp40
Established Contributor

Re: Rebuilder looking for a good Credit Union

you can join penfed thur the navy league 

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 16 of 24
Brickbybrick
Regular Contributor

Re: Rebuilder looking for a good Credit Union

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?

 

5/27/17 Experian: 679 Equifax: 628 TransUnion: 630
Cap1 QS:600 Credit One: 600 Merrick Bank: 550 Amex: 500 JCrew: 250
Message 17 of 24
mrldp40
Established Contributor

Re: Rebuilder looking for a good Credit Union

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

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 18 of 24
Brickbybrick
Regular Contributor

Re: Rebuilder looking for a good Credit Union

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

5/27/17 Experian: 679 Equifax: 628 TransUnion: 630
Cap1 QS:600 Credit One: 600 Merrick Bank: 550 Amex: 500 JCrew: 250
Message 19 of 24
mrldp40
Established Contributor

Re: Rebuilder looking for a good Credit Union

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
ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 20 of 24
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