I don't see a lot of information on here about Unify FCU so I thought I would post mine. I had some unexpected expenses on my home and my 0% BT offers were expiring so I applied for a CC during my latest app/cli spree, it was denied for debt to income, not surprised. My EX 08 was 683, but they use the EX mortgage and that was 711.
A representative called me and we talked about why I wanted another CC and he then told me about their debt consolidation loan. Since they use the same HP for 7 days, I went ahead and let him submit the application to see how competitive they are. Was approved for up to $50k, up to 60 months @ 11.75% no fees, no pre-payment penalties. There is a .25% rate reduction if I have payments automatically withdrawn from their CC or Savings. A couple of more points and I would have been bumped to the next tier but I didn't want to risk another pull. He also submitted a refinance for my car to see if they could lower the rate. I don't have that much longer on the loan and didn't really want the hassle to move it from PenFed, they did come in lower by just .50% so it's staying put. They were pretty aggressive trying to get everything moved over to them.
The bummer - they pay the creditors directly via check, which is way too slow, considering the online lenders deposit it directly to your checking account and I can push payments quicker. Lending also wanted me to close my NFCU LOC - ummm, no way on this planet that was going to happen. I told the rep as much, he went back to lending and they agreed that I can keep it open.
Overall, not a bad experience, but it appears they are very conserative and look closely at debt to income.
