09-10-2009 02:56 PM
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.
09-10-2009 05:39 PM
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.
09-10-2009 07:30 PM
09-14-2009 01:21 PM
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!
10-13-2009 07:36 PM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.