I joined the credit union on Oregon Pike in
Lancaster PA to open a savings account. No where on the application did it CLEARLY state they would pull a
credit report.They pulled my credit- dropping my
credit scores- for a freaking savings account!!! I did not apply for a loan with them but they will not remove it. They stated that they could not remove it and I signed the paper so it was ok for them to pull it. It only stated that they would need to verify "the member before joining". Isn't my standing there with license and socail security in hand enough verification when you are holding a chaeck for $10,000???? How many people with a stolen identity will put
money IN the bank under someone else's name? What are these people thinking?? I have tried everything and they wont budge!!!! Do not do buissness with these
crooks!!!
1. Written by cuddlecat, on 02-04-2009 09:47
It is not a matter of how you pay your bills that effects credit scores. That only has a percentage of the scoring. Pulling your credit for credit transactions show up and DO bring down scores. Just look at Transunion- they say that more than 2 pulls in 2 years is excessive and say it when you do apply for credit as to why the score is lower. I have no bills that are late and I do pay everything on time. I was turned down for a Sears credit card due to "too many" pulls of my credit. Well, I have bought a home, a new car and opened a new credit card from Chase and went back to school and applied for a student loan. I had trouble with the credit card because of too many credit pulls. Scott and me,me,me: I ask you to check out myfico.com and read for yourself how credit scoring works. They may not have done you wrong, but your ignorance on the subject will get you in the future.
I pay bills on time and love that my scores are in the 700's, but it is still wrong to pull as a credit transaction when it was not an application for credit. That is illegal and if I only had the application I signed I would have went much further than this with this situation...beleive me.
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2. Written by Diane, on 31-03-2009 20:30
I agree everyone pulls your credit report and that is why they should stop with the credit scores and go back to how you pay your bills...I never been late always pay more then balance...Many auto and loans paid in full prefect on payments..you think I have a excellent score...nope dont know how anyone can have that one I am only good at 715..cause to many stupid company checking my record to apply for stupid credit cards or other things I never ask them or even knew them looks at my record..trust me they dont need your permission to do that or I never have anything on record except my own bills that is on it ....
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3. Written by Me Me Me, on 20-02-2008 15:57
AGREED!!! EVERYONE pulls your credit these days. Cell phones, car insurance, house phone, utilities, even Netflix on some occassions. Don't worry lady, one credit pull isn't going to bring your credit down. It's when you have multiple pulls in a 2 week time frame...get a life, they were doing the right thing!!!!
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4. Written by scott, on 20-02-2008 15:12
Dah ! your car ins. co. runs a credit check on you when you open a policy with them. every body does it. you should work on fixing you credit and not bash belco. they never did me wrong.
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