![]() Further information is available in our FICO Data Privacy Policy. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. ![]() PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Many factors affect your FICO Scores and the interest rates you may receive. Equifax Credit Report is a trademark of Equifax, Inc. Learn moreįICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Your lender or insurer may use a different FICO ® Score than the versions you receive from myFICO, or another type of credit score altogether. All rights reserved.Īll FICO ® Score products made available on include a FICO ® Score 8, and may include additional FICO ® Score versions. Of course, others might have had experiences totally different than mine.Ĭopyright ©2001- Fair Isaac Corporation. ![]() Separately, PenFed has had no problem extending me $35K in unsecured credit at extremely favorable rates since this incident and US Bank has provided an additional $20K - these are not institutions known to take on risky customers consequently, I have good reason to believe that the Fraud Department at NASA had absolutely no basis for their specious assertions. Plenty of other good credit unions out there, who respect their customers. I was polite and appropriate in every call and follow-up e-mail - their people were not.Īs far as I'm concerned, they can go straight to the "Neither Region." If my experience is in any way indicative of the way they do business, I'd avoid them. They offered absolutely no useful feedback or had any interest in working with me to resolve their concerns or mine. Needless to say, I was very concerned that there might be some actual issue of which I was unaware of and required attention. I even offered to make the 5 hour drive to their office and present myself in-person. No amount of verification of info on my credit file or offers of substantiation of any data they wished to confirm would satisfy them. ![]() A dozen or so calls later and I was directed to their Fraud Department who accused me of trying to open the account frauduelently - no specific allegations mind you - just some vague assertion of identity theft. Only learned of this when I was unable to log-on to their portal - no one could tell me what was going on. No issues at all.Ībruptly, all my accounts were cancelled without notice. Opened other accounts at the credit union and deposited funds. I used the card, paid all charges immediately. Had some difficulty uploading my Driver's license for ID verification and ulitmately called Customer Service - had to email a scanned image to them and received the card via expedited service about a week later.Įverything was fine. Was barraged with e-mails for a couple of weeks, then finally relented and was immediately approved. ![]() Decided not to proceed at that time (didn't need the HP). I had a particularly nasty experience with these folks last November, which I'll share for the record.Īs was suggested by other posters in several other threads, gave their pre-qual a try. ![]()
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