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Congrats on the scores and on the Alliant offers.
FICO 710 (Clean report, no lates,no baddies)
Approved for Platinum Rewards Visa $7,500 @ 11.5%
Approved for Auto Loan $21,000 @ 4.85%
When I closed on my auto loan, they also gave me a $1,000 ODLOC @ 12.15%
Absolutely love Alliant CU !!!!
@thebostonredsox wrote:FICO 710 (Clean report, no lates,no baddies)
@Anonymous for Platinum Rewards Visa $7,500 @ 11.5%
@Anonymous for Auto Loan $21,000 @ 4.85%
@When I closed on my auto loan, they also gave me a $1,000 ODLOC @ 12.15%
Absolutely love Alliant CU !!!!
I have the same score... what's your AAoA and INQ totals? I told myself no more accounts, but I have been wanting to join a CU for some time now...
Thanks
I just apped and received an account rep. will contact me by mail within 3-5 days. I have a EQ 662 and AAoA 2yrs with oldest being 9yrs. 19%UTIL and.
What does this mean?
@Anonymous wrote:I just apped and received an account rep. will contact me by mail within 3-5 days. I have a EQ 662 and AAoA 2yrs with oldest being 9yrs. 19%UTIL and.
What does this mean?
thats what I got... call tomorrow and ask to speak to someone in credit, they will probably want to pull credit again but they have decision power!
I just found that they pull Chexsystem... I have a checking account that was opened about 5 yrs ago that bit the dust for abour $900. Will they decline on this if Fico is good and if I pay would they open the account? I have a Business Checking and two Personal at our Local bank plus a Savings with BOA so I am not worried about the Savings just a good CC.
Thanks
Forgot to mention, I had 0 inquiries when I applied.
Alliant does pull Chexsystems and will decline accounts (including credit products) if any derogatory items are listed there.
Another note - CLI's cannot be requested at time of activation. The account must be at least 6 months old, and it is handled as a new application; hard pull, income verification etc. They told me that they are good about CLI's as long as your credit profile has remained consistent and your payment history with them is solid with no lates.
I posted a TIPS thread for Alliant Credit Union, but we have lots of people asking what EQ FICO scores have been approved for the online "instant" offers.
So, please list (as few words as possible)
1. what your EQ FICO score at time of app
2. any EQ derogs at time of app
3. what instant offers you received online
4. what instant Credit Limit & APR did you get