Patelco Credit Union denies checking and savings if you have bad credit?

Question by yes yeah sure: Patelco Credit Union denies checking and savings if you have bad credit?
Patelco Credit Union will reject your application if you have bad credit and apply for a checking and saving.

I tried to open a "free" checking account and was told my credit was too bad.

I have a lot of student loans on my credit that I have yet to consolidate. Defaulted on one of them because i missed the payment schedule. I was one day late. It takes 10 months to clear up a defaulted

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