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Found 13 results

  1. I have an entry on Chexsystems that is almost five years old. It actually doesn't even belong to me, but rather to my father with whom I share my name. The last four digits of the SSN on the report don't even closely match mine. However, Chexsystems is steadfast in their refusal to remove it. To that end, I have had to circumvent Chexsystems and open my accounts at banks that do not subscribe to that silly service. In my experience, there are many credit unions that do not pull Chexsystems, including NASA FCU, PSECU, PenFed, Navy Federal, Apple FCU are just a few. I know Dept. of Commerce
  2. Here's my big list of low interest credit cards, sorted by cash advance interest rate (excluding those with a big transaction fee). My starting point was the top 100 credit union list here: outbound link removed. Obviously, this is not the place to look for rewards cards, and a lot of people will prefer 0% balance transfer offers, but some folks may get a benefit. Feel free to reply with updates and additions, especially smaller credit unions that weren't on my starting list. Name Location Type Purchase Rate Cash Advance Rate CA Fee % CA Fee $ Apple Federal Credit Union Fa
  3. Looking to help a friend refinance a high balance mortgage at $550K 80% LTV in a county that goes up to $625K. Time horizon is about ten years before property is sold. May need non-occupying owner to sign the note also to get DTI ratios acceptable. Current note is presently in the non-occupying owner's name (brother of home occupant). I'm looking at PenFed and NFCU so far. PenFed offers a 5/5 at 2.875% and no origination fees with a 2% cap on adjustment and 43% DTI only needing a 680+ FICO score, however, all borrowers must reside in the house. I don't know as much about the NFCU
  4. I joined Nasa federal Credit Union. Do I have 30 days or less to apply for a credit card in order to avoid a hard pull or does it matter?
  5. Hey CBers! I am in need of advice. Just completed an App Spree for DW. (I am still waiting on a few things, then I will post the whole shabang!) Nonetheless, at the end of the App Spree I decided to do a few last apps for some CU's (lesson learned, All Newbies, PLEASE READ CB BEFORE ATTEMPTING ON YOUR OWN!!). Alliant pulled a soft and DCU pulled a hard. The dilemmas are that 1) DCU approved her as a "Limited Member" due to balances on open accounts and current accounts less than 2 yrs old and are saying that they must pull another hard for any other apps (i.e. CC and LOC). So should I allo
  6. Credit union membership hits 100 million-client milestone- NYPost
  7. Hello CB, I'm looking to add another Credit Union to the mix, one who is offering a 0% Balance Transfer option for more than 12 months? So far, it seems most credit unions are only willing to go up to 6mo. Except for PenFed which I have no chance of getting approved, due too many new accounts. Would like a Credit Union who prefers to pull TU, but I know that's a long shot! Any suggestions ?? Thanks so much!! Have a wonderful day. Credit Unions I already have accounts with.... 1. PSECU - Combo 2. Navy - cc, and Navchek 3. DCU - no credit prods. 4. PenFed - no cred
  8. I'm starting to rack them up over here and wondering if I'm going a bit overboard. How many banks & CUs do you belong to and why? USAA Penfed NFCU Alliant local town CU BOA Chase PNC -Just applied to logix & United Nations and DCU....
  9. http://www.cutimes.com/2013/04/01/rewards-still-help-drive-card-behavior-cu-finds
  10. http://www.cutimes.com/2013/04/02/vantria-fcu-to-merge-into-apple-fcu-in-early-may?eNL=51520a1b140ba0ed7800006c&utm_source=Daily&utm_medium=eNL&utm_campaign=CUT_eNLs&_LID=137763512
  11. http://www.cutimes.com/2013/03/27/consumer-website-draws-attention-to-cus-leveraging?eNL=51520a1b140ba0ed7800006c&utm_source=Daily&utm_medium=eNL&utm_campaign=CUT_eNLs&_LID=137763512
  12. I promise I searched! I've read SDFCU, any others?
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