Alliant Question?

[Anonymous]

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?

[Anonymous]

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@Anonymous 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?

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

[Anonymous]

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@Anonymous wrote:

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

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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.

[wmarat]

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

[tray]

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@Anonymous wrote:

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@Anonymous wrote:

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

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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.

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

[Anonymous]

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@tray wrote:

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

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Yes it's a hard.