What Credit Union
I reached out to chatgpt after being denied a personal loan to consolidate financial debt by my credit union Patelco. While my credit score was not in the 700’s and my credit card usage was also high, my score for paying bills on time was 100%. I thought their underwriters would be more accepting because of my longtime membership. Well no such luck. Chatgpt suggested Happy Money based on my info I provided and Happy Money approved me in less than 15min. I was approved for exactly what I asked for and the interest rate is very manageable. Happy Money took a chance on me without even knowing me and they have made it so I can pay off 95% of my financial debt, and put myself in a better position to eventually get another car with a great interest rate and do better using credit cards now that I understand the game much better. I was thinking about using them again to purchase a new used car, since my own credit union originally denied me. Even though my credit score will go up significantly and my CCU will drop significantly, why take a chance on them again when Happy Money came through for me. I would absolutely recommend them for debt consolidation before I would consider any other company. Thank yall for putting your faith in me in the right places.