Is it Unwise?? to open any CU(Credit Union) accounts with Hidden Judgement fallen off CRA's

[MidnightJester]

So my credit files looks clean to CRA's and all banks but lurking in the shadows waiting to pounce is a Fallen off Judgement from 14 years ago. I have rebuilt my Credit scores well over time and am wanting badly to join NFCU or any CU for the matter. Since they all seem to open a savings and or checking account this is a NONO to anyone with a hidden judgement. I dont want to spoil a relationship with the bank that I want to deal with in the future. They dont know about the Judgement and if they are told to hold & freeeze my account I think that would hurt a down the road relationship even if when they look at my CR and dont see anything they will know internally that they held a account of mine and it will hurt without it even being on CR.

[MidnightJester]

Now similar, but different. I had a TDBANK checking account seized by the judgement 3000+ a bunch of years ago 5 or so. If I were to apply to TDBANK for a credit card would they internally know about Judgement even though if they pull all 3 CRA I am clean as you can look like.

[pip3man]

damn TD pulls all 3 bureaus?! i was planning on getone of their CC since I got my checking and savings account with them but now this is just discouraging. Moreover I dunno how generous they are with initial CL. Dont wanna take multiple pulls only to be offered a meager $500 bucks credit limit...

[MidnightJester]

DO you have a Judgement against you?