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Senior Contributor
Posts: 3,339
Registered: ‎05-27-2015

Xcel so called Pre-Approvals more like Pre-selected lol

I wish more CU's were like Penfed with real Pre-Approvals instead of these Pre-Selected Offers. They are nice to get if nothing more than to let you know your credit is getting better. Xcel must have change their scoring system? I forgot to ask the loan officer what  FICO scoring model they use now. It's not the old FICO mortgage score, thats for sure! NASA FCU is still using the old scoring model.

I'm guessing FICO 9 EX from the current score posted. For those that may be interested in this CU.

 

Xcel pre-approval.png

FICO 8 Scores EQ=753 TU=779 EX=764 (INQ) EQ=19 TU=14 EX=18 TCL=$525,800
Established Contributor
Posts: 886
Registered: ‎02-13-2012

Re: Xcel so called Pre-Approvals more like Pre-selected lol

[ Edited ]

OMG Gmood, you and you're CUs! I love it. I'm only at two (Bethpage and Vantage) so far, and still have DCU and Andrews to add, possibly this week, which will take me to four.  I was also looking at Alliant for their 3% VS sometime down the line. How many are you a member of?

 

ETA:

Oh snap, I forgot about SDFCU! I think it's time for a spreadsheet. I losing track of some of my accounts. Smiley Embarassed

**FICO 8 Scores Sept 2017 EQ 747 EX 732 TU 741**


Senior Contributor
Posts: 3,339
Registered: ‎05-27-2015

Re: Xcel so called Pre-Approvals more like Pre-selected lol

[ Edited ]

LadyJEsq wrote:

OMG Gmood, you and you're CUs! I love it. I'm only at two (Bethpage and Vantage) so far, and still have DCU and Andrews to add, possibly this week, which will take me to four.  I was also looking at Alliant for their 3% VS sometime down the line. How many are you a member of?

 

ETA:

Oh snap, I forgot about SDFCU! I think it's time for a spreadsheet. I losing track of some of my accounts. Smiley Embarassed


Ha ha 😀,

I lose count myself! Uhh..let's see I have

 

Credit Unions

1) PenFed FCU

2) Navy Federal FCU

3) SDFCU 

4) Bethpage FCU

5) NASA FCU

6) First Tech FCU

7) Xcel FCU - gives 2.0% APY up to $25k for rewards checking.

8) Alliant FCU

9) Andrews FCU

Banks

1) Ally

2) SunTrust

3) USAA

4) New Buffalo Savings - gives 2.27% APY up to $35,000 for rewards checking with no fees.

5) Capitol One

6) Charles Schwab

7) Fidelity investments

 

Yeah I know..it's ridiculously!  lol

I've closed several that weren't proactive with their members.

FICO 8 Scores EQ=753 TU=779 EX=764 (INQ) EQ=19 TU=14 EX=18 TCL=$525,800
Established Contributor
Posts: 886
Registered: ‎02-13-2012

Re: Xcel so called Pre-Approvals more like Pre-selected lol

[ Edited ]

You sir, have earned yourself another bookmark! I thought I had it good with Bethpage's 1.0% APY, but I see I can do better! How did you find so many lucrative CUs? I could be earning so much more. Darn, more research! 

 

Current lineup:

 

CUs:

1. SDFCU

2. Bethpage

3. Vantage

 

Banks:
1. PNC

2. Fidelity

3. Chase (about to close and split amounts between Bethpage and Vantage)

 

ETA:

Dang, forgot another......4. American Funds. Yeah, time for a spreadhseet.....

**FICO 8 Scores Sept 2017 EQ 747 EX 732 TU 741**


Senior Contributor
Posts: 3,339
Registered: ‎05-27-2015

Re: Xcel so called Pre-Approvals more like Pre-selected lol

[ Edited ]

Well LadyJ it's your lucky day!

Here's the website I use as my Bible for checking and savings accounts.

This link is rewards checking accounts, but you can search for any type of accounts here https://www.depositaccounts.com/checking/reward-checking-accounts.html

FICO 8 Scores EQ=753 TU=779 EX=764 (INQ) EQ=19 TU=14 EX=18 TCL=$525,800
Established Contributor
Posts: 886
Registered: ‎02-13-2012

Re: Xcel so called Pre-Approvals more like Pre-selected lol

You, after that post: Kiss Smiley Face Images & Pictures - Becuo

**FICO 8 Scores Sept 2017 EQ 747 EX 732 TU 741**


Senior Contributor
Posts: 9,380
Registered: ‎04-23-2016

Re: Xcel so called Pre-Approvals more like Pre-selected lol

Ok surely those arent all real G?

Smiley Wink
Senior Contributor
Posts: 3,339
Registered: ‎05-27-2015

Re: Xcel so called Pre-Approvals more like Pre-selected lol


AverageJoesCredit wrote:
Ok surely those arent all real G?

Smiley Wink

Oh yes my friend they are real. Lol

FICO 8 Scores EQ=753 TU=779 EX=764 (INQ) EQ=19 TU=14 EX=18 TCL=$525,800
Moderator
Posts: 15,380
Registered: ‎10-07-2014

Re: Xcel so called Pre-Approvals more like Pre-selected lol

@Gmood1

 

What's Andrews like as a CU?  I could stand to add another.  Right now I have (CUs only) NFCU, PenFed, SDFCU, Apple and NASA.  

Senior Contributor
Posts: 3,339
Registered: ‎05-27-2015

Re: Xcel so called Pre-Approvals more like Pre-selected lol

Andrews FCU seems to have their stuff together. They offer some great products and rates across the board. It's a SP on TU to join and all you need is a 720 FICO EX for the best rates. They were probably the fastest of all my CUs at getting my debit card and checks out.
FICO 8 Scores EQ=753 TU=779 EX=764 (INQ) EQ=19 TU=14 EX=18 TCL=$525,800

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