I've been with BECU for 30+ years (back when your account # was your social security #) Approx. 20 years ago, my then girlfriend, was added to my account. A few years later she aquired a car loan with BECU. Then she suffered a work injury which led to financial strain. She did what seemed like the best option (maybe not now in hindsight) let BECU know the situation and forfeit the car to BECU. Note: She wasn't behind on any payments. Due to policy, BECU later informed us she couldn't remain a member. Fast forward 14 years later (now married) we were buying a house together and after inquiring about a home loan with BECU, we were told her ban for the prior car incident is for life. Now 6 years later with 200k equity, we'd like to build a business area onto our house by either refinancing or doing a home equity loan. I understand that BECU is non-profit, however, after 20 years, she contributed plenty to the interest paid to my BECU credit cards etc. My idea would be to look at the 'life' ban, after say 10, 15, or 20 years on a case-by-case basis. What'd you all think?