SDFCU Credit Union

Hi guys need some advice about my problem. (hope at least one time some one help) in order to fix my credit (Ex 482 Tu 545 EQ 545) beaside credit repair service(sky blue), i am trying to open some of the revolving account, after denied from BOA Secured credit card, i heard NFCU is good credit union and will be graduate in certain time to unsecured credit card, and also process of app will be soft pull.i called them and gave all my information for open the saving account. (25 min) and she said i will be call you back which she never did. the day after i called them and they said you need to email DL and SSC and i just did that, aafter 5 days back and forth they said we can"t open the account unless you be on the branch, which is impossible (i live in california bay area) manager told me you open the account for your wife same thing i did and same result. i heard lot of people enroll on the phone without any problem, 2 question: 1) NFCU Credit union does have any branch in bay area?2)  Any Credit uion or banks which accept enroll secured credit card which will graduate to unsecured credit card and reports to all 3,available ?please give me the names of them.   Thnaks for your time and advice.

sharagim1 wrote:
i am so sorry i just put wrong one. i apply a lot bank and credit union and i forgot the name. it was    SDFCU I search in my area i couldn"t find any of them and also NFCU I called them and they said i have to be army or one of my familly......... SDFCU IS soft pulls if you enrool over the phone. but i should be present in the branch which is impossible.  If you're having trouble getting approved for an account, one th ing you need to stop doing is applying to a lot of places.  If you've applied to so many different places that you can't tell them appart, I'm going to infer that you have tons of inquiries on your reports.  Based on your scores, inquiries definitely aren't your only problem, but having tons of them in a short span definitely hurts. Again, going back to your scores, your only alternative at this stage may be to just clean up older issues and wait for a while.  Even most secured cards won't approve you if you have a bunch of active delinquencies.

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