21 Credit Unions That HardPull Just Equifax

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  • Опубликовано: 29 окт 2024

Комментарии • 56

  • @WalletMonkeys
    @WalletMonkeys  Год назад +10

    Hey gang I apologize I think I was wrong on geo-restriction with SECUMD or as they like to be called CQ. I am 70% I mixed that up and its open membership but am traveling and will confirm in next 24hrs and update this response. UPDATE: Yep mixing up the SECUs here, SECUMD is open

    • @ejbarraza
      @ejbarraza Год назад +2

      SECUMD is not geo-restricted and you can join by making a donation to their foundation. VACU is a hard pull on Equifax and geo-restricted to Virginia.

  • @DarkDude-iu9xd
    @DarkDude-iu9xd Год назад +4

    SkyPoint is located in Germantown MD. I have had an account with them for 20yrs. Use to be mCFCU. Not VA restricted

    • @WalletMonkeys
      @WalletMonkeys  Год назад

      Thanks for intel, I will have to go back through Skypoint!

  • @gsnovato_autotech
    @gsnovato_autotech Год назад +5

    Redwood Credit Union for all those in California. They pull EQ5 for all credit decisions. No hp for membership. Maybe a backdoor in but unsure

    • @WalletMonkeys
      @WalletMonkeys  Год назад +2

      Good find, I will dig into it

    • @RLFLOWS
      @RLFLOWS Год назад +2

      ​@@WalletMonkeys I am a member of Redwood Credit Union. $25,000 sl Credit Card & $5,000 LOC after 2 months of membership.

    • @VizionaryFilms
      @VizionaryFilms 11 месяцев назад

      @@RLFLOWS FICO??

  • @ImStillStealingSteel
    @ImStillStealingSteel Год назад

    Thank u for this ❤❤❤

  • @Spider-time
    @Spider-time Год назад +1

    I'm in SoCal LA. Credit Union of SoCal pulls experian

  • @kingmae3808
    @kingmae3808 9 месяцев назад +1

    Wallet monkey from this list which is the easiest to be approved for the highest limits with the less confusion. You're Opinion is greatly honored. 💰💰

    • @WalletMonkeys
      @WalletMonkeys  9 месяцев назад +1

      Great question, I have no idea which one fits that but we have profiled at least 6 on that list and not much has changed with those (DCU, AOD, AFCU, GCU, Penfed (still sucks), SECU, Alliant, NIHFCU)

  • @ImStillStealingSteel
    @ImStillStealingSteel Год назад +2

    2:32 its funny u said that, I applied for a CLI, they approved me for $17,500, and then denied me an hr later. Lol

    • @ImStillStealingSteel
      @ImStillStealingSteel Год назад +1

      5:50 I have them since 2020 or 2021, I have to check. But they’re ok. Its hard to get in contact with someone, customer service is hit or miss. And oh, if ur card is lost or stolen, they’ll report it lost/stolen to the credit bureaus. Its a real pain. The geo fence must be recent, but I live in California, never lived in Maryland 😂

    • @WalletMonkeys
      @WalletMonkeys  Год назад +1

      Lol wtf

    • @ImStillStealingSteel
      @ImStillStealingSteel Год назад

      @@WalletMonkeys - Yeah, SECU of Maryland, they like to be pronounced “CQ”. Lol

    • @ImStillStealingSteel
      @ImStillStealingSteel Год назад

      I’m still thinking if I wanna stay with them. Lol

    • @WalletMonkeys
      @WalletMonkeys  Год назад +1

      Good intel, the cq pronunciation is funny

  • @terrelmoss1444
    @terrelmoss1444 Год назад +2

    Can you do a Best Credit Union Cards with rewards multipliers

  • @CaineMongeau
    @CaineMongeau 2 месяца назад

    Credit Union of Texas pulled TU for me, fyi

  • @bruh7391
    @bruh7391 Год назад +2

    SECU wasn't geo restricted in my case and I'm in the west coast

  • @marioedwin311
    @marioedwin311 Год назад +1

    currently waiting on my chex systems report in the mail

    • @WalletMonkeys
      @WalletMonkeys  Год назад

      Good send that over to me so i can see as well

  • @ralphpropeck2838
    @ralphpropeck2838 Год назад +2

    Consumers credit union pulls transunion, im in Texas

    • @WalletMonkeys
      @WalletMonkeys  Год назад +1

      Bummer, i wonder if geo or if thats a recent change that we missed. Thanks for sharing!

  • @offradar31
    @offradar31 Год назад +3

    Can I please get one list for Experian ?

  • @bruh7391
    @bruh7391 Год назад +1

    Does Langley hard pull for membership?

    • @bruh7391
      @bruh7391 Год назад

      @Shawn Bummer. I've only seen great things about them. Maybe I'll apply during an app spree soon

    • @ejbarraza
      @ejbarraza Год назад

      @@bruh7391 Langley automatically denied me due to too much credit availability, something to consider if you don't want to waste a hard pull.

  • @blu3ch3w
    @blu3ch3w 10 месяцев назад +1

    Which ones you don’t have to be a member to get the credit cards tho ??

    • @WalletMonkeys
      @WalletMonkeys  10 месяцев назад

      Probably none of them, most CUs will require membership

    • @blu3ch3w
      @blu3ch3w 10 месяцев назад

      @@WalletMonkeys The only one I know is nasa federal they all you to prequalify they show the limit and get credit cards without being a member…. Do you know any banks or fin techs I could go get business credit cards with new accounts showing on my report with a 780 fico ?

    • @WalletMonkeys
      @WalletMonkeys  10 месяцев назад +1

      True on NASA I forgot about that, there will be a handful I am sure I just don't know what those are off the top of my head.
      Unless the business is 2+ years old or filing tax returns and has own Paydex, they will look to your personal credit anyway, so if thats solid you can just literally start at the top with Chase and work your way down on the business side.

    • @blu3ch3w
      @blu3ch3w 10 месяцев назад

      @@WalletMonkeys yea I have a good personal credit score and a good paydex score but I have 4 accounts that’s under 4 months old reporting I wanted to know what banks that aren’t new account sensitive

    • @WalletMonkeys
      @WalletMonkeys  10 месяцев назад +1

      Ya Chase might be iffy on that, Amex would be fine especially if you already have 1-2 cards with them, if stated income is strong then you should be fine for BOA, WF and others, those that tend to not be so new account sensitive would be PNC, BMO Harris off top of my head

  • @jaygeetv9599
    @jaygeetv9599 Год назад +4

    Penfed experian

  • @docsays
    @docsays Год назад +3

    This is great to know. I received a member invite for a card from SECU, so i was hoping they equifax.
    I can also attest to NIHFCU they always EQ for me.