I've had First Commonwealth as my bank for 20 years as far back as when it was called Great American Federal. I've done all of my banking there since 1995.
Last month I applied for a small home equity loan and was denied because of "a credit history of ∅" according to Equifax. Zero?! I have a mortgage, a car loan, an several credit cards. My credit score? Very Good to Excellent range.
I called to talk to the grand loan pumbaa to plead my case. I asked if they even 'considered' the other two credit agencies but never received an answer. I asked for a call back. I have yet to receive one. I DID however get another rejection letter reiterating my ∅ credit history.
I will be looking for another bank.
I've had First Commonwealth as my bank for 20 years as far back as when it was called Great American Federal. I've done all of my banking there since 1995. Last month I applied for a small home equity loan and was denied because of "a credit history of ∅" according to Equifax. Zero?! I have a mortgage, a car loan, an several credit cards. My credit score? Very Good to Excellent range. I called to talk to the grand loan pumbaa to plead my case. I asked if they even 'considered' the other two credit agencies but never received an answer. I asked for a call back. I have yet to receive one. I DID however get another rejection letter reiterating my ∅ credit history. I will be looking for another bank.