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@datboiquick the visions fcu that is in ny and pa you would have to call Can you tell us how you managed that? I tried to because i am out of there area

There is visions financial credit union in nc that can be joined via membership in the american counsumer council or the regional affialiate north carolina consumer council. As for annual fees, i pretty much maximize anything that does have an af to the. Visions fcu ny/nj for mortgage i agree for mortgage they will pull all 3 but for credit card and all other loans they experian mortgage scores.

There are still some credit unions with great rewards and low interest rates, some that come to mind are signature fcu, redstone fcu, american airlines fcu, visions fcu, nfcu, dcu, etc, you may not qualify for all but likely qualify for some

There is no reason to settle for penfed at this point. I know visions only use experian, but do we know which version of fico If it's fico 8 then my score is over 700 Pcd my quicksilver (visa) from 2002 to venture x my quicksilver one mastercard was a regular quicksilver one, then after ten years, capital one decided to give me world elite status on the credit card account

The limit has and still is $2,500, and the account has been open for 12 years This card as well as a visions fcu platinum ($2,000 limit) i opened over two years ago allowed me to. As of 07/09/23 this post is built to help others see which credit report (s) a bank will pull based on where you are The visions fcu elite visa signature is my potential backup for the aod fcu visa signature, but i probably won't apply for it unless or until the aod vs is nerfed for existing customers.

So i have the following cards open, and i think i have too much overlap or open accounts in general to the point where it's counting against me

Note that i worked my way out of multiple chargeoffs and a 500 range score for years and some of these accounts are vestiges or accounts that had graduated. Please help me cut down on my open cards/accounts my biggest issue is the remaining accounts such as comenity, synchrony, and the secured accounts take up the majority of my aaoa unfortunately Followed by that is my own hesitancy to close anything having been traumatized by mass adverse action years ago

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