09-05-2012 11:11 AM
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
09-05-2012 11:28 AM
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.
09-05-2012 12:22 PM
Thx. Probably from overthinking my collection instead of enjoying what I have.
09-05-2012 01:01 PM
Just my luck..... Oh well. At least no damage was done.
09-05-2012 07:56 PM
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.
09-06-2012 02:39 AM
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.
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