orgaknight

Credit Union

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I want to join a credit union, but don't think it is a good idea until an old repo falls off my report later this year. It is already off of my experian report, but transunion and equifax will report it until May. I heard that credit bureaus pull a credit report when you join and I don't want them to have a record of the repo, when I apply for an auto loan later this year. Do you readers agree with this strategy or am I being paranoid?

TU 648, EQ 633, EX 610

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My CU never pulled my CRs until I applied for an auto loan with them.

You should ask the CU before joining.

I would like to add- before I joined my CU, I asked them about credit and loans ect... they explained that being a CU- they are "less judgemental" than banks, and they really were. I have a repo on my reports too, all they asked me to do was explain why the repo happened.

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My CU never pulled my CRs until I applied for an auto loan with them.

You should ask the CU before joining.

I would like to add- before I joined my CU, I asked them about credit and loans ect... they explained that being a CU- they are "less judgemental" than banks, and they really were. I have a repo on my reports too, all they asked me to do was explain why the repo happened.

I agree. My CU NEVER pulled a CR until I applied for a loan..;)

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