Prospera Credit Union

I went into Prospera Credit Union to open a second savings account so my daughter could put money in it with out the account being directly tied to her account. I was asked for my personal information. Now please note that they already have my personal information because I already have an account. The employee said they were "required" to check my credit when I open a new account. Again I am already a customer. (Not member) He said that other banks use systems that check without hitting your personal credit but Prospera checks your credit. I asked if it would do a hard hit on my credit and he said he thought it did. So I had him open the account and my credit did get hit. My credit dropped and all because I wanted to open a savings account at a place I already had an account. After I left I was confused as to why they wanted to run my credit and it occurred to me that they use that to sell their products to you. They keep the score on file so loan officers have access to this and call and harass you for loans and mortgages if you have a high score. This is a dirty practice and should not be legal. There are plenty of other Credit Unions to go to and banks as well. You get treated better at a bank.