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[postscript] Unify FCU Platinum Visa Fixed Rate

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SouthJamaica
Mega Contributor

[postscript] Unify FCU Platinum Visa Fixed Rate

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.

 

 

 


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 1 of 20
19 REPLIES 19
Anonymous
Not applicable

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! 

Message 2 of 20
SouthJamaica
Mega Contributor

Re: Unify FCU Platinum Visa Fixed Rate


@Anonymous 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


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 3 of 20
mrldp40
Established Contributor

Re: Unify FCU Platinum Visa Fixed Rate

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

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 4 of 20
AverageJoesCredit
Legendary Contributor

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
Message 5 of 20
SouthJamaica
Mega Contributor

Re: Unify FCU Platinum Visa Fixed Rate


@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.


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 6 of 20
SouthJamaica
Mega Contributor

Re: Unify FCU Platinum Visa Fixed Rate

Thanks, AverageJoesCredit Smiley Happy


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 701 TU 704 EX 685

Message 7 of 20
mrldp40
Established Contributor

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

ready to start a rebuild ex 533 eq 518 tu 541
inquiries EQ 2 EX 0 TU 1 multiple charge off current card green dot secured 500
Message 8 of 20
CreditMagic7
Mega Contributor

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!!

Message 9 of 20
dragonfly66
Frequent Contributor

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 3/2019: EX(753); EQ(763); TU(749)
Beginning - FICO 7/2014: EX(630); EQ(608); TU(581)
Credit: Wells Fargo Home Projects Charge Card ($7,800); Wells Fargo Home Rebate Visa ($4,000); Capital One Quicksilver ($10,000); Capital One Venture ($6,000); Discover it ($7,900); Macy's ($20,000); BrandsMart ($4,000); Banana Republic ($1,200); Lowes ($12,000); Amex Everyday ($30,000); Macy's Amex ($15,000); Amex Platinum (NPSL); Citi Diamond Preferred ($9,000); Chase Freedom ($9,000); Wells Fargo Outdoor Solutions ($10,000); SunTrust HELOC ($25,000)
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