Credit Cards

[A_Madel]

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

[bichonmom]

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.

[A_Madel]

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

[Mellon]

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

[jsucool76]

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

[llecs]

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).

[A_Madel]

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

[learnin113]

double check the membership pull...i'm almost certain it's a hard. it was for me at least.

[slg]

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. 

[A_Madel]

---

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.