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I decided to join Alliant. My EQ is 733, no baddies and no inquiries. I have a couple of questions though: once I get a pre-approval offeres and I accept a car loan even if I don't need it now, how long it will be available for? will they have to do another pull if I want to use it later? Will it show on my credit report if I accept it but don't close it? How is Alliant with CLI? How often do they give them? do they hard pull or soft pull EQ each time? Thank you!
Hi, Lexa----I can answer a few of your questions.
Member services told me the car loan is available for 30 days. You can activate it on the SkyBranch site. They would do another pull if you don't use it this time and apply later. It should not show up on your credit report unless you do activate it. Alliant is pretty good with initial credit lines as far as I know. Hopefully others can chime in on the other questions.
I have enjoyed my brief time with them so far.
@Anonymous wrote:I decided to join Alliant. My EQ is 733, no baddies and no inquiries. I have a couple of questions though: once I get a pre-approval offeres and I accept a car loan even if I don't need it now, how long it will be available for?
FoF is correct (according to my experience)
will they have to do another pull if I want to use it later?
Again, Fof is correct. After 30 days, Yes!
Will it show on my credit report if I accept it but don't close it?
Third correct answer . . . No!
How is Alliant with CLI?
Don't know. Haven't gotten one yet.
How often do they give them?
Once every 6 mo.(according to my LO).
do they hard pull or soft pull EQ each time?
Hard pull if customer requests a CLI
Thank you!
You're welcome