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Knowledge Base Article

Pulling credit report and Early Warning for new account

Is a credit report pulled when a new membership account is applied for to join the credit union?

Yes, a credit report is pulled from the credit bureau Equifax for new members when opening a membership. We will also run an Early Warning report to determine qualification for membership for the applicant.

Will pulling my credit to join the credit union affect my credit score?

An inquiry to your credit report may or may not affect your credit score.

Can I still apply for membership if I have a freeze on my credit?

If your credit has been frozen with Equifax, you will need to contact them to unfreeze the credit report and arrange to have the report made available to pull before submitting an application.