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Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
0

Alliant Question?

[ Edited ]

When i applied online for Alliant a year ago i had a paid collection showing on my CR an a bank account that went into the negative that was reporting to Chex Systems. They would only offer me a saving account which i still only have a $5 balance a year later. I tried to do a car refinances a half a year ago i was told i owe to much on my car loan. My scores are in the low 700's now but my Utilization is high on a few cards. The paid collection was removed from my CR an i paid the bank off an there are no more negatives on Chex Systems cause i just pulled that report. i wonder would they offer me something now?


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Senior Contributor
O6
Posts: 3,626
Registered: ‎10-13-2009
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Re: Alliant Question?


mjbfan79 wrote:

When i applied online for Alliant a year ago i had a paid collection showing on my CR an a bank account that went into the negative that was reporting to Chex Systems. They would only offer me a saving account which i still only have a $5 balance a year later. I tried to do a car refinances a half a year ago i was told i owe to much on my car loan. My scores are in the low 700's now but my Utilization is high on a few cards. The paid collection was removed from my CR an i paid the bank off an there are no more negatives on Chex Systems cause i just pulled that report. i wonder would they offer me something now?


Could be.  It'd probably cost you an INQ, but they might give you something.

IAALBNYL
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
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Re: Alliant Question?


O6 wrote:

Could be.  It'd probably cost you an INQ, but they might give you something.


 

They did car refinance 7.1% my interest rate with capital one was 18%. Personal loan for $5200 not sure if i will take that.

 


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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wmarat
Posts: 1,754
Registered: ‎11-03-2007
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Re: Alliant Question?

IMHO, There is a point to have Alliant for deposits (mostly online savings and Edeposit plus). Alliant has any good credit products.

 

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Valued Contributor
tray
Posts: 1,513
Registered: ‎01-29-2008
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Re: Alliant Question?


mjbfan79 wrote:

O6 wrote:

Could be.  It'd probably cost you an INQ, but they might give you something.


 

They did car refinance 7.1% my interest rate with capital one was 18%. Personal loan for $5200 not sure if i will take that.

 


Was it a hard inquiry.  In case I am interested in a personal loan one day.  Thanks


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
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Re: Alliant Question?


tray wrote:

Was it a hard inquiry.  In case I am interested in a personal loan one day.  Thanks


Yes it's a hard.

 


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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