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Senior Contributor
Posts: 5,178
Registered: ‎02-24-2015

Unify FCU Platinum Visa Fixed Rate

[ Edited ]

Just got approved for Unify FCU Fixed Rate Platinum Visa with $10K starting limit and 9.99% fixed rate interest.

 

As I filled out the application it stated in red letters that I was pre-approved for $10k in unsecured credit so I only asked for that amount, not wanting to tempt fate, and having been granted a 15k PLOC by them just a few days ago.

 

I don't know yet if they used the same EX pull they used a few days ago for the line of credit and/or membership.

 

As before they indicated a need for proof of income so I emailed them my most recent paystub.

 

My understanding is that Unify uses FICO EX Auto 2, which in my case stood at 746 two weeks ago.

 

 

 


FICO8 EQ 782 TU 804 EX 787 FICO5 EQ 722 Total revolving 395000
Regular Contributor
Posts: 361
Registered: ‎01-18-2017

Re: Unify FCU Platinum Visa Fixed Rate

I was just looking at your signature in another post and I saw that Unify card...I was wondering when that happened...now I know! Very good data points, thank you for sharing.

 

Congrats! 


Senior Contributor
Posts: 5,178
Registered: ‎02-24-2015

Re: Unify FCU Platinum Visa Fixed Rate


CO_NATIVE wrote:

I was just looking at your signature in another post and I saw that Unify card...I was wondering when that happened...now I know! Very good data points, thank you for sharing.

 

Congrats! 


Thanks Co_Native Smiley Happy Yeah I couldn't wait to tell you folks Smiley Happy


FICO8 EQ 782 TU 804 EX 787 FICO5 EQ 722 Total revolving 395000
Highlighted
Frequent Contributor
Posts: 294
Registered: ‎03-07-2007
0

Re: Unify FCU Platinum Visa Fixed Rate

they pull regular fico 2 it isnt the auto fico 2 im told.

Ex 586 Eq 570 Tu 564 as of mar 20 2017,discover secured hell yea !!! 200 overstock 1650 cl credit one 450 myjewelryclub 5k

goal 700 across all three
Senior Contributor
Posts: 4,159
Registered: ‎04-23-2016

Re: Unify FCU Platinum Visa Fixed Rate

All aboard the South Jamaica quality over quantity train!! Choo Choo!. Grats SJ, id gladly step off my lonely last train of Disco to join you on getting such great approvals recently. The day Disco gives you more than 300, is the day we throw you the biggest garden party everSmiley Happy Great job againSmiley Happy
Senior Contributor
Posts: 5,178
Registered: ‎02-24-2015
0

Re: Unify FCU Platinum Visa Fixed Rate

[ Edited ]

mrldp40 wrote:

they pull regular fico 2 it isnt the auto fico 2 im told.


I got turned down by them for something about 5 months ago and the score they pulled appeared to be the FiCO Auto 2, not the FICO 2.

 

But I don't know.


FICO8 EQ 782 TU 804 EX 787 FICO5 EQ 722 Total revolving 395000
Senior Contributor
Posts: 5,178
Registered: ‎02-24-2015

Re: Unify FCU Platinum Visa Fixed Rate

Thanks, AverageJoesCredit Smiley Happy


FICO8 EQ 782 TU 804 EX 787 FICO5 EQ 722 Total revolving 395000
Frequent Contributor
Posts: 294
Registered: ‎03-07-2007

Re: Unify FCU Platinum Visa Fixed Rate

yes theres so many different score model . congrats on new card ,your selection of cards is very impressive

Ex 586 Eq 570 Tu 564 as of mar 20 2017,discover secured hell yea !!! 200 overstock 1650 cl credit one 450 myjewelryclub 5k

goal 700 across all three
Senior Contributor
Posts: 13,000
Registered: ‎01-04-2014

Re: Unify FCU Platinum Visa Fixed Rate

Way to go sj!

 

Another really nice addition to your overall credit profile i must say Smiley Happy

 

Congratulations!!

Last App-Jan 26* It's All In The Magic Of Your Own Destiny * FICO TU 769 EQ 723 EX 777
Regular Contributor
Posts: 190
Registered: ‎07-20-2014

Re: Unify FCU Platinum Visa Fixed Rate

Congratulations, SouthJamaica!  Unify just took over my small, company-specific credit union.  I've been curious about them.  I can't apply for anything until my mortgage app is complete, but they are definitely one of my targets in the coming months.

Current - FICO 3/2017: EX(752); EQ(727); TU(710)
Beginning - FICO 7/2014: EX(630); EQ(608); TU(581)
Credit: Wells Fargo Home Projects Visa ($7,800); Wells Fargo Home Rebate Visa ($4,000); Capital One Quicksilver ($6,000); Capital One Venture ($5,500); Discover it ($3,000); Macy's ($9,300); BrandsMart ($3,000); Banana Republic ($600); Lowes ($5,000); Amex Everyday ($3,000); Macy's Amex ($3,500)

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