Just joined Alliant CU - they offer a free monthly FICO score as well. But, I was actually eyeing their CC information. When I called to find out details, I was told that my membership was NOT a HP but a SP! Go figure. At that point I pressed and asked about obtaining new loan products within 30 days. They will use the SP, however a HP will be used for the credit decision - just as an FYI for anyone interested. No, I didn't add to my collection....... (kicks dirt and rolls eyes up) I am gardening but setting my sights for next year..... sigh
You have a really nice selection of CCs in your sig! Why do you want to add Alliant cu? It doesn't seem like it would be a step up. I'm sure they're ok, but you have really nice cards already! you can get some CLIs on the cards you have and preserve your AAOA.
Thx. Probably from overthinking my collection instead of enjoying what I have.
At one point they offered a NextGen FICO, but that's no longer the case. There are a few threads buried in here somewhere announcing those changes (gosh...3-4 yrs ago).
Just my luck..... Oh well. At least no damage was done.
Alliant offers the vantage score to their consumers which updated every 3 months and they do not use the vantage score internally for their own credit approvals.
double check the membership pull...i'm almost certain it's a hard. it was for me at least.
Yep. There it was this morning.