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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads


Just opened a credit union account. Be careful with Chex inquiries.

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I had to open my account in person with Los Angeles Federal Credit Union. When I applied online their system said it couldn't fully verify my identity so I needed to go to a branch to complete things. Basically, anyone living in Southern California can apply by donating $5 to some organization. 

While at the branch the representative asked me about my Chex inquiries. I was thinking there was only one inquiry in the last six months, but there might be two. She asked me about them and I replied I took advantage of a bonus offer. Afterwards, I thought that was a bad response, but she was ok with that. She said the credit union thinks having three in the past six months is too many, but they can see the past five years. They also did a hard inquiry on Trans Union. I knew I was ok there. Only one hard inquiry on TU in the last two years, that now is two after opening this account.

As I've mentioned before, inquiries do matter on Chex and EWS. I can't forget being literally thrown out of a bank branch three years ago because of this. Don't go hog-wild opening bank accounts.

As far as this credit union, I may apply for their credit card in the future. I'm also thinking maybe a home improvement or car loan, but I don't have a need just yet.


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Thanks for the update on Los Angeles Federal Credit Union.

Keep us posted on any operational or customer service issues.


Yes, inquiries can adversely affect a new checking or savings approval. I post often about randomly applying to banks and credit unions, without finding out their approval process.


Always map out a strategy for account applications based on your Chex, EWS and Telecheck files.



Edited by tmcgill

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