Joining PenFed When You Have a Credit Freeze

I worked for them for 10 years and have a good understanding of the business practices. I did not work in an area that dealt with decisions on pulling credit reports nor did I pull them. However, the reason they pull them on EVERYONE joining, not just loan applicants, is to essentially keep out the deadbeats (that's my term, not theirs). Experience has shown that people with crappy credit, with a few exceptions, tend to also be bad with their deposit accounts as well: overdraft on checking accounts, depositing bum checks, etc. And of course, since Pentagon Federal does loans only on A credit, these people won't get the loans anyhow. They'll get mad, close their accounts, and badmouth the credit union. And they still won't have their loan. So it does neither the credit union nor the potential member any good for them to accept people with really crappy credit, and a credit freeze by all three bureaus is as bad as it gets without having a bankruptcy on your file.