ELFCU - Rebuilder Friendly Credit Union Master Thread

[GreatHornedOwl65]

Jamie has called me 5 times but, by the time I get off work they are closed so, I shot her a email to let her know that & she is going to get back with me to let me know of a day that she will be in later than usual so, she can talk to me. I thought that was nice of her & I have never had any banking institution call me that many times to see how things are going so far. For that matter, I only got 1 call from Navy, they were the only other CU or Bank to try to contact me.

[Ron1]

Big Banks and other CU don't call to see how you liked their services and you can ask them question. I couldn't think any of them when she called.

 

 

Ron.

[GreatHornedOwl65]

Big Banks and other CU don't call to see how you liked their services and you can ask them question. I couldn't think any of them when she called.

 

 

Ron.

As I said earlier, Navy did call me to welcome me, which I thought was nice of them.

[gabbyraja]

I was denied an ez loan for overdraft protection. One of the 2 reasons listed was "Bankruptcy." I was discharged in 1/2010.

 

Jamie said the standards for their credit cards may be more loose and she will be able to use the same credit pull to apply me for a cc when they come out this month. We'll see...

Edited May 8, 2012 by gabbyraja

[sexonthebeach]

I was denied an ez loan for overdraft protection. One of the 2 reasons listed was "Bankruptcy." I was discharged in 1/2010.

 

Jamie said the standards for their credit cards may be more loose and she will be able to use the same credit pull to apply me for a cc when they come out this month. We'll see...

 

i was approved for the EZ loan BK dicharged 12/2010 no baddies ever since

[road2freedom]

What was the second reason Gabby?

 

Let's hope their standards are loose and their limits plentiful.

[BobWang]

Loose elves are good.

[Ron1]

I got my first 50 free checks from them. Those checks are not bad looking.

 

 

Ron.

[road2freedom]

Loose elves are good.

 

 

Never mind... don't want to know.

[gabbyraja]

What was the second reason Gabby?

 

Let's hope their standards are loose and their limits plentiful.

I've also had no baddies since the BK.

 

I haven't gotten anything in the mail yet as to denial reasons. Form the phone conversation memory I have it was something to the effect of I use my current lines too heavily, which she went on to explain as my individual balances are too high. None of my balances is over 50%, only 2 are over 10%, 1 is right around 10% and the rest have 0 balances...

[lilmartian23]

Does anyone know if they check Chex's or EWS?

[gabbyraja]

So, they got their credit cards this week, right? Anyone got one yet?

 

Eta, never mind. That is next week.

Edited May 18, 2012 by gabbyraja

[rslifkin]

Does anyone know if they check Chex's or EWS?

 

Chex is affirmative.

 

 

 

Jamie has called me 5 times but, by the time I get off work they are closed so, I shot her a email to let her know that & she is going to get back with me to let me know of a day that she will be in later than usual so, she can talk to me. I thought that was nice of her & I have never had any banking institution call me that many times to see how things are going so far. For that matter, I only got 1 call from Navy, they were the only other CU or Bank to try to contact me.

 

 

Jamie has called me as well but I simply ignore the phone. I will call her when I am ready to speak to her. Its weird... them calling me. Making me think I did something wrong, or they are going to close my account or something. I dont like it.

 

Jamie suckered into making me do an INQ when it was clear from underwriting that i wouldnt have gotten approved at this time.

[Duck Bills]

Does anyone know if they check Chex's or EWS?

 

Chex, Yes

[road2freedom]

So, they got their credit cards this week, right? Anyone got one yet?

 

Eta, never mind. That is next week.

 

Yep... wonder who will be the first GP.

[Gaby10]

Does anyone know if they check Chex's or EWS?

 

Welcome to CB! As this is a "Master Thread," that means everyone has gone to a lot of effort to document and gather all their details and experiences together to create a one-stop info center on this subject. Please read the entire thread. Chances are that all your questions have already been answered, and you will also find out things you didn't realize you needed to know!

[Gaby10]

So, they got their credit cards this week, right? Anyone got one yet?

 

Eta, never mind. That is next week.

 

Yep... wonder who will be the first GP.

 

My money is on Ron, Lilyflower and Joseph C. In no particular order.

[rslifkin]

So, they got their credit cards this week, right? Anyone got one yet?

 

Eta, never mind. That is next week.

 

Yep... wonder who will be the first GP.

 

My money is on Ron, Lilyflower and Joseph C. In no particular order.

 

 

 

 

 

.. What does GP mean?

 

 

(General Population?)

 

 

 

[cputrwz]

guinea pig

 

And just cause I'm a junkie too... I applied for savings/checking. Was approved instantly.

Edited May 18, 2012 by cputrwz

[ctb89]

Depending on their starting CLs I may be taking the plunge as well. Especially if I can't B* all these INQs this month before C*

[Ron1]

So, they got their credit cards this week, right? Anyone got one yet?

 

Eta, never mind. That is next week.

 

Yep... wonder who will be the first GP.

 

My money is on Ron, Lilyflower and Joseph C. In no particular order.

 

I'm also looking for GP too.

 

 

 

Ron.

[road2freedom]

[BobWang]

[Ron1]

[Ron1]

Jaime is supposed to call me next Monday for the credit cards. She will let me know about the terms of the credit card. I just checked the website and they didn't have the credit card page yet.

 

 

Ron.