Redstone FCU Membership DPs

mfinsmi1 · ‎01-11-2023

~~Just so everyone knows it is a HP to become a member. Will call up later and ask if i can recycle the HP for a credit card. (Luckily i freeze my reports)~~

Edit: Not sure why i needed to unfreeze for them to soft pull, but yes it is a SP, i assumed it would be a HP when they emailed me saying i need to contact Experian so they can pull my report.

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2

Hansolojr · ‎01-11-2023

Not always. Mine was soft pull at EX plus a Chex inquiry. Most DPs at Doctor of Credit show soft pull for membership apps.

@mfinsmi1 wrote:
Just so everyone knows it is a HP to become a member. Will call up later and ask if i can recycle the HP for a credit card. (Luckily i freeze my reports)

Update - got accepted for membership. Chex inquiries 1/3, 11/12, 11/24. I did not apply for the credit card, just the regular savings account. They did ask for proof of membership in the Financial Fitness Association.

PullingMeSoftly · ‎01-11-2023

@Hansolojr wrote:
Not always. Mine was soft pull at EX plus a Chex inquiry. Most DPs at Doctor of Credit show soft pull for membership apps.

@mfinsmi1 wrote:
Just so everyone knows it is a HP to become a member. Will call up later and ask if i can recycle the HP for a credit card. (Luckily i freeze my reports)

Likewise, SP for me as well and Chex. (Side note DP's: Usual submission of ID, SS card (front and back), utility bill, paystub. Joined through Financial Fitness, no proof of that membership was requested. All Docusign.)

Chase Sapphire Reserve Visa Infinite │ $35,000

Chase Freedom Visa Sig │ $28,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

Bank of America Alaska Airlines Visa Sig │ $30,000

US Bank Altitude Reserve Visa Infinite │ $20,000 │ 4.5x mobile wallet

US Bank Altitude Go Visa Sig │ $25,000 │ 4x dining │ no FTF

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

Elan Financial Services/US Bank Fidelity Rewards Visa Sig │ $25,000

Citi Costco Anywhere Visa Sig │ $24,000 │ 5% Costco gas │ 4% gas

Citi Custom Cash MC │ $27,800 │ 5% selectable rotator

Citi Custom Cash MC │ $15,000 │ 5% selectable rotator

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $20,000 │ 5x Banana-Gap-Old Navy-Athleta

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $80,000

PenFed Platinum Rewards Visa Sig │ $12,000 │ 5x gas

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Connect Rewards Visa Sig │ $25,000 │ RIP 5x...to the sockdrawer

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

pizzadude · ‎01-11-2023

@mfinsmi1 wrote:
~~Just so everyone knows it is a HP to become a member. Will call up later and ask if i can recycle the HP for a credit card. (Luckily i freeze my reports)~~

Edit: Not sure why i needed to unfreeze for them to soft pull, but yes it is a SP, i assumed it would be a HP when they emailed me saying i need to contact Experian so they can pull my report.

I believe that when your reports are frozen any existing creditors can still do a SP, however new creditors would need to have them thawed for a SP.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

805orbust · ‎01-11-2023

Yeah, @pizzadude I just figured that out. What a weird detail that was missed in this whole journey of mine

Anonymous · ‎01-12-2023

@805orbust wrote:
Yeah, @pizzadude I just figured that out. What a weird detail that was missed in this whole journey of mine

@805orbust

As I recall back in the day ..." journeys" were by Wagon Train !

805orbust · ‎01-12-2023

🤣🤣🤣 @Anonymous apparently nothing has changed! My mind is a wagon train!!!

credit8502020 · ‎01-12-2023

@Hansolojr wrote:
Not always. Mine was soft pull at EX plus a Chex inquiry. Most DPs at Doctor of Credit show soft pull for membership apps.

@mfinsmi1 wrote:
Just so everyone knows it is a HP to become a member. Will call up later and ask if i can recycle the HP for a credit card. (Luckily i freeze my reports)
Update - got accepted for membership. Chex inquiries 1/3, 11/12, 11/24. I did not apply for the credit card, just the regular savings account. They did ask for proof of membership in the Financial Fitness Association.

@Hansolojr @PullingMeSoftly Thank you for sharing details about joining the organization. I'm preparing to apply. Were you able to receive "proof" from the Financial Fitness Association the same day you requested to join the organization? I want to make sure I have everything in place so I can get it done without any delays. Thank you!

Hansolojr · ‎01-12-2023

Happy to help! Yes after you go to the FFA website to join (and pay the $8), you will get an email confirmation that can serve as proof of membership. The email will read like this:

"Hi xx,

Congratulations! You're now an active member of the Financial Fitness Association.

You may use this email as proof of your membership. We do not issue member numbers. Here are your member details:

First Name: xx

Last Name: xx

Join Date: 2023-01-11"

credit8502020 · ‎01-12-2023

@Hansolojr wrote:
Happy to help! Yes after you go to the FFA website to join (and pay the $8), you will get an email confirmation that can serve as proof of membership. The email will read like this:

"Hi xx,

Congratulations! You're now an active member of the Financial Fitness Association.

You may use this email as proof of your membership. We do not issue member numbers. Here are your member details:
First Name: xx
Last Name: xx
Join Date: 2023-01-11"

@Hansolojr Ok. Thank you! I appreciate it.