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Alliant Credit Union ROCKS!

Regular Contributor

Re: Alliant Credit Union ROCKS!

I am thinking about applying for Alliant CU and was wondering if anyone knows what CR they pull?

 

Thanks for the help!

Highlighted
Established Member

Re: Alliant Credit Union ROCKS!

They pulled EQ for me in WI
Established Contributor

Re: Alliant Credit Union ROCKS!

Hi,

 

Can anybody post there scores, baddies, util, etc while still getting approved?  I am planning on opening at my local CU in a week but would def. consider this as I am a member of my daughter's PTA.

 

Thanks!Smiley Happy


Starting Score: 615
Current Score: 709
Goal Score: 750


Take the FICO Fitness Challenge
Established Contributor

Re: Alliant Credit Union ROCKS!

Disregard...found the thread!

Starting Score: 615
Current Score: 709
Goal Score: 750


Take the FICO Fitness Challenge
Moderator Emerita

Re: Alliant Credit Union ROCKS!


ficus wrote:
What is the nature of this concern that some people have over the CCC's of their already existing accounts getting nervous if you suddenly got a card from a CU? That they might raise their rates, cut your credit limits, etc? Or is it too many cards too soon that might make them figure you're about to pull an all around binge with full intent on defaulting on it all? Or that it's a question of competition between institutions? Has anyone reported any negative behavior from CCC's afterwards? Please state your circumstances that may give you cause for such concern.

+1

I have never once had any AA from bank cards after getting Christmas-in-July from my CU cards.

Caution is great; paranoia is non-productive.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor

Re: Alliant Credit Union ROCKS!

Ughhhh!! I just applied and was approved as a member but I was NOT offered a credit card!! I was offered the Home Equity Line, Car Loan and Checking Account but no credit card. Should I call? Do they need to have my signature card first before they approve me for a credit card?
Regular Contributor

Re: Alliant Credit Union ROCKS!

FICOMari,

 

 

What are your scores? I am thinking about applying but not sure if I would qualify?

 

Thanks for the help!

 

 

Regular Contributor

Re: Alliant Credit Union ROCKS!

Hi ewing, I only checked my EQ Fico and it was 743.
Regular Contributor

Re: Alliant Credit Union ROCKS!

So I decided to try my luck to get a 5K credit card from Alliant and I was approved!! Woo hoo!  I plan to use it here and there to keep on building my credit.  I hope to one day make the 800 club!!

 

That's it, I am done applying for a long while now! 

 

 

Member

Alliant Credit Union ROCKS!

 

     We joined Alliant and they pulled EQ.  Received the Membership without a problem but received no offers of credit.  EQ being my lowest at 680 along with EX at 715 (Fako) and TU at 697.  Called and spoke with a Loan officer and was told that with a 680 I would probably get a credit limit at about $1500.00.  About 3 weeks later I called back after reading numerous posts and asked more questions and also spoke to an analyst.  They explained that there is much more to the review than your score.  To make a long conversation about Alliant short I went and applied for a CC.  It was another hard pull but resulted in an approval and a nice $7500 limit along with an additional offer for a new car loan at 6.1%.  I had below 10% utilization and my credit card limits were both below $1500.00.  While I was not asked for my income verification for the CC I was told they needed it if I wanted to proceed with the car.  Still thinking that over as we have a month to let them know without an additional pull.