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Rejoin DCU After IIB

MyDataMyChoice
Valued Contributor

Rejoin DCU After IIB

I had a small balance  1K in OD Checking account with DCU that I IIB

 

Think I can apply to rejoin...

 

I know most credit unions blacklist... just curious if anyone has dealt with DCU afer IIB

"The bank is the place to goto to get a loan, when you can prove you don't need one"


AU on: 2008 Sears MC $2,001 | 2016 SEARS Store Card $2,001 | 2011 Synchrony Home $5,500 | 2003 FNBO Visa $9,900 | 2008 Macys Amex $3,400 | 2008 Kohls $2,000 | 2008 JC Penny $500 | 2016 TJX Mastercard $1,500 | 2018 AAdvantage Aviator MC $5,600 | 2018 HSN $4,500
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Message 1 of 6
5 REPLIES 5
DaveInAZ
Senior Contributor

Re: Rejoin DCU After IIB

Well, I doubt it. Most credit unions blacklist permanently after a loss because they're non-profit, member owned and don't have the loss reserves commerical banks have.

 

But I guess it won't hurt to try, if you're blacklisted they'll let you know without pulling your credit. I have a 2010 BK7 on my report but didn't include DCU, so they approved me for membership and a car loan in 2017 without a problem.

Message 2 of 6
CreditInspired
Community Leader
Super Contributor

Re: Rejoin DCU After IIB


@MyDataMyChoice wrote:

I had a small balance  1K in OD Checking account with DCU that I IIB

 

Think I can apply to rejoin...

 

I know most credit unions blacklist... just curious if anyone has dealt with DCU afer IIB


I’m only guessing but I’m thinking an overdrawn bank account may be worse than a default on a CC. So you’re probably in chexsystem and wouldn’t be able to open another checking or savings account anywhere until that’s cleared up. 

 

But this is just my 2cents. 


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Message 3 of 6
CreditCuriosity
Moderator

Re: Rejoin DCU After IIB

Both above posters are probably correctl and DCU uses chexsystems and that alone would get your declined.

Message 4 of 6
MyDataMyChoice
Valued Contributor

Re: Rejoin DCU After IIB

The chexsystens entry has been deleted...I called and submitted a copy of my discharge and they promptly removed the entry

The overdraft was from a few automatic bill payments that went out when I had a loss of income...(they mail bank checks) and paid them all.
"The bank is the place to goto to get a loan, when you can prove you don't need one"


AU on: 2008 Sears MC $2,001 | 2016 SEARS Store Card $2,001 | 2011 Synchrony Home $5,500 | 2003 FNBO Visa $9,900 | 2008 Macys Amex $3,400 | 2008 Kohls $2,000 | 2008 JC Penny $500 | 2016 TJX Mastercard $1,500 | 2018 AAdvantage Aviator MC $5,600 | 2018 HSN $4,500
Member of: Andrews FCU | PENFED CU | SDFCU | Alliant CU | NASA FCU | NWFCU | Ally Bank | BofA | Merrill | Greenwood CU | Elements Financial CU | Ocean State CU | Wells Fargo | Citizens Bank | RI Credit Union | US Financial FCU
Message 5 of 6
Revelate
Moderator Emeritus

Re: Rejoin DCU After IIB

I suspect for a concrete answer you're going to have to take a flier and simply re-apply for membership.

 

IIRC reading here a bit ago it's no longer a HP for membership / share accounts, so might be worth the college try TBH.




        
Message 6 of 6
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