Lancaster Red Rose Credit Union

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I had a medical problem about a year ago (blood clot in my lung) that created an issue with 2 payments on my LRRCU credit card (Small balance, payments of about $25.00). I went in to address the issue because the late notations on my credit report had significantly dropped my score and I want to refinance my house (saving $150,000.00 over the life of the loan).

I was in intensive care for about a week and had extensive rehab. Auto pay (my own service not LRRCU) messed up. Now, I am responsible for the account so ultimately my fault. However, banking was not a priority at the time.

In person, I met with LRRCU to discuss fixing my 2 lates as a courtesy due to extenuating circumstances. The person I met with was very understanding and said we can work something out. Subsequently, several days later I was directed to provide written documentation as to how much my credit score dropped, written proof the auto pay had been at fault not due to me etc.

Now how was I going to prove how much 2 late payments numerically wreck a score? I'm not a credit bureau. The credit bureaus were no help and I would have to get a lender to "guess." I asked several lenders about this and they said they would not be able to provide a number as they are not the amazing Kreskin and can't spit out a value. One did ask, "Why don't they just remove them as a one time courtesy? Why are you going through hoops at all"? Yes, WHY?

I called to follow up on what was happening and no response.

Was shifted to multiple people.

Finally, I receive a letter from LRRCU saying that they can't (read WON'T) be removed as they would have to do this for everybody in a similar situation.

Well, what's the problem?

I went to LRRCU because I was tired of being a customer of uncaring, non- service oriented banks that don't care.

Would it be too much to ask to help those who have blood clots, heart attacks, cancer, a spouse who dies etc.?

So, moral to the story- if Lancaster Red Rose Credit Union gives you a good deal well I guess you might consider it.

However, don't expect anything different from ANY bank.

I feel they went WAY out of their way to NOT help me and actually get in my way and waste my time.

BOTTOM LINE- THEY JUST DON'T CARE.