Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Sign in to follow this  

United Nations Federal Credit Union Thread

Recommended Posts


Maybe they are getting more conservative? Shifter didnt you say they told your wife no one gets the Elite as a new customer?

Share this post


Link to post
Share on other sites

I wanted to wait on the azure due to my recent credit spree but I went ahead and did it. The message I got was that the application was submitted. Nothing since last night from UNFCU. I asked for a 30k limit.

 

 

Sent from my iPhone using Tapatalk

Did they ask you to provide two references?

Share this post


Link to post
Share on other sites

2 references is just standard for every application at UNFCU.

 

I don't know why that's so surprising, interesting or otherwise unacceptable.

Share this post


Link to post
Share on other sites

One thing to note: My account was opened in the last couple days of January. I haven't logged onto online banking since late last month and today when I logged in it told me my password expired and I had to change it. If our passwords expire once a month, that will be a PITA. I have a hard enough time as it is noting/remembering my passwords.

Edited by Burgerwars

Share this post


Link to post
Share on other sites

One thing to note: My account was opened in the last couple days of January. I haven't logged onto online banking since late last month and today when I logged in it told me my password expired and I had to change it. If our passwords expire once a month, that will be a PITA. I have a hard enough time as it is noting/remembering my passwords.

 

I just had to change mine too after about a month ago creating it. I called in and the CSR stated this is not normal and perhaps it is due to the account being new and should not recur. Also, she stated support for mint.com is in progress but not working yet.

Share this post


Link to post
Share on other sites

I got an email that elections to the UNFCU board of directors will be soon. I don't know the nominees. Their website says a member can run if they get 500 signatures from existing members. Maybe if 500 people join from Creditboards, I might have a chance.

 

Elect Burgerwars, and I'll push for all those $100,000 Visa credit lines that everybody here wants. ;)

Edited by Burgerwars

Share this post


Link to post
Share on other sites

Finally, after sending in my pay stubs the other day. I got a counter offer of 20k which I gladly accepted. My initial request was 25k.

 

 

Sent from my iPhone using Tapatalk

Share this post


Link to post
Share on other sites

Finally, after sending in my pay stubs the other day. I got a counter offer of 20k which I gladly accepted. My initial request was 25k.

 

 

Sent from my iPhone using Tapatalk

Could you give us a few more details if you don't mind? Other credit limits in that range? Your credit score? Any debt? Any recent account openings? Inquiries?

Share this post


Link to post
Share on other sites

My highest CL is 30k. Total CL across cards is close to $145k with a total of 15k in debt. I have 7 new inquiries at the time of ap. mainly due to CLI requests. Two new recent CCs. Income is around $110k with two auto loans. No mortgage. Oldest CC is AMEX close to 15 years.

 

Forgot to add FICO 784

 

 

Sent from my iPhone using Tapatalk

Edited by dclxvi85

Share this post


Link to post
Share on other sites

Sent in membership application almost 2 weeks ago and haven't heard anything yet. Anyone else have this kind of delay when they applied?

Share this post


Link to post
Share on other sites

So I called today to ask about the status of my membership app and after a couple of minutes I was told that my application had been returned to me, but the rep couldn't see why. After searching for a few minutes she told me that she would have to call me back tomorrow after she talks to someone else? She said there was really no explanation noted. So now I wait...

Share this post


Link to post
Share on other sites

My personal experience. I froze EX and they still opened a checking/savings/membership for me. Received visa debit card in the mail. I turned down LOC! Sent my $50.00 to savings to keep account open. Pretty easy process!

 

First credit union that didn't do a HP on me!

Share this post


Link to post
Share on other sites

My personal experience. I froze EX and they still opened a checking/savings/membership for me. Received visa debit card in the mail. I turned down LOC! Sent my $50.00 to savings to keep account open. Pretty easy process!

 

First credit union that didn't do a HP on me!

Logix is another one that didnt do a HP on me. Got Savings/Checkings and CC with soft pulls.

Share this post


Link to post
Share on other sites

 

My personal experience. I froze EX and they still opened a checking/savings/membership for me. Received visa debit card in the mail. I turned down LOC! Sent my $50.00 to savings to keep account open. Pretty easy process!

 

First credit union that didn't do a HP on me!

Logix is another one that didnt do a HP on me. Got Savings/Checkings and CC with soft pulls.

 

 

Logix would not do that for me! They told me to un-freeze and denied membership.

Share this post


Link to post
Share on other sites

 

 

My personal experience. I froze EX and they still opened a checking/savings/membership for me. Received visa debit card in the mail. I turned down LOC! Sent my $50.00 to savings to keep account open. Pretty easy process!

 

First credit union that didn't do a HP on me!

Logix is another one that didnt do a HP on me. Got Savings/Checkings and CC with soft pulls.

 

 

Logix would not do that for me! They told me to un-freeze and denied membership.

 

Well I did it in a different way. Applied for Savings first, once the account is set up, applied for CC and then checking a few days later. All of them softs.

Share this post


Link to post
Share on other sites

 

 

 

My personal experience. I froze EX and they still opened a checking/savings/membership for me. Received visa debit card in the mail. I turned down LOC! Sent my $50.00 to savings to keep account open. Pretty easy process!

 

First credit union that didn't do a HP on me!

Logix is another one that didnt do a HP on me. Got Savings/Checkings and CC with soft pulls.

 

 

Logix would not do that for me! They told me to un-freeze and denied membership.

 

Well I did it in a different way. Applied for Savings first, once the account is set up, applied for CC and then checking a few days later. All of them softs.

 

+1

 

Membership app online 12/17 -- CC app on 12/21 by phone, approved on 12/23 and added vehicle refi to my Wish List while I spoke to the LO. All softs. YMMV.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Member Statistics

    • Total Members
      179,932
    • Most Online
      2,046

    Newest Member
    andythorn2
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines