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Contributor
Posts: 92
Registered: ‎06-16-2012
0

Alliant CU -

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) :smileywink: I am gardening but setting my sights for next year..... sigh

Current: EQ 791 / TU 788 / EX 752 FICO's (MyFico, Oct 2012)

*** NFCU Plat | USAA CR Amex | PenFed TR Amex | BOA Gold | JP Morgan Select | Amex BCP | Amex PRG | USAA Plat ***
Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: Alliant CU -

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! :smileyhappy: you can get some CLIs on the cards you have and preserve your AAOA.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Contributor
Posts: 92
Registered: ‎06-16-2012
0

Re: Alliant CU -

Thx. :smileyhappy: Probably from overthinking my collection instead of enjoying what I have. 

Current: EQ 791 / TU 788 / EX 752 FICO's (MyFico, Oct 2012)

*** NFCU Plat | USAA CR Amex | PenFed TR Amex | BOA Gold | JP Morgan Select | Amex BCP | Amex PRG | USAA Plat ***
Frequent Contributor
Posts: 459
Registered: ‎08-31-2007
0

Re: Alliant CU -

I'm not sure Alliant offers a FICO score...FAKO maybe

Super Contributor
Posts: 5,744
Registered: ‎12-11-2011
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Re: Alliant CU -

After Some quick research , It looks like it's a vantage score judging by the range. 

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Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Alliant CU -

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).

Contributor
Posts: 92
Registered: ‎06-16-2012
0

Re: Alliant CU -

Just my luck.....:smileysad: Oh well. At least no damage was done.

Current: EQ 791 / TU 788 / EX 752 FICO's (MyFico, Oct 2012)

*** NFCU Plat | USAA CR Amex | PenFed TR Amex | BOA Gold | JP Morgan Select | Amex BCP | Amex PRG | USAA Plat ***
Established Contributor
Posts: 541
Registered: ‎12-02-2011
0

Re: Alliant CU -

double check the membership pull...i'm almost certain it's a hard. it was for me at least.
New Contributor
Posts: 74
Registered: ‎03-19-2011
0

Re: Alliant CU -

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. 

BCE 12800, bofa travel rewards 8k, Barclays apple 6200, Macy's 2000, Macy's Amex 3200, merrick bank 300 , Victoria secret 1350, jcrew 1350
Contributor
Posts: 92
Registered: ‎06-16-2012
0

Re: Alliant CU -


learnin113 wrote:
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. 

Current: EQ 791 / TU 788 / EX 752 FICO's (MyFico, Oct 2012)

*** NFCU Plat | USAA CR Amex | PenFed TR Amex | BOA Gold | JP Morgan Select | Amex BCP | Amex PRG | USAA Plat ***
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