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Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Anyone had their Alliant Credit Union Instant Approval Offers mysteriously disappear from system?

When I signed up for Alliant 3-24-09, I got the "can't verify identity" error.  So I checked and found out that my EQ file was locked.  I unlocked it and re-app'ed for the share account.

 

Got instant offers of $10k Visa and Auto 4.69 and other stuff.  But I checked I ACCEPT on the Visa and Auto.

 

Today, Alliant can't find my Visa or Auto approvals, requests, app or anything else in the system.  I'm waiting for a LO to call me back to see what they can figure out....but it looks like I will have to reapply with LO and won't get the preapproved offers.

 

Anyone else ever had this happen?  I wonder if my initial identity error had something to do with it.....my SS# in system twice or something?

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Frequent Contributor
Woolfman
Posts: 498
Registered: ‎01-29-2009

Re: Anyone had their Alliant Credit Union Instant Approval Offers mysteriously disappear from system

I had a problem with my identity. One of the questions i got wrong was where was my SSN number issued.

 

I was born in germany on a military base .. So i had no idea where it was actually issued . But Got the question right on the second guess.

 

But that being said  my pre approvals didnt disappear.   The credit card they offered is showing as open on my account page . Still waiting for the card though . They finally got my sig card today . Express mailed it thurs. Not sure what took so long there! 

 

Sorry to hear your having bad luck with them :smileysad:


Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Anyone had their Alliant Credit Union Instant Approval Offers mysteriously disappear from system

I'm just wondering if me not calling in prior to making a second attempt at the whole sign up/app thing somehow messed up the pass through of offers back to Alliant.

 

I didn't miss any questions, they just couldn't pull an EQ first try.

 

I'm going to call them before close of business just to see if they have anything new to tell me, other than we'll check it out and get back to you.

 

Watch 'em want to pull all my CR's now :smileyhappy:

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Anyone had their Alliant Credit Union Instant Approval Offers mysteriously disappear from system

*pulls up lawn chair, pops a cold one, and reaches for the popcorn*

Good luck on your latest adventure! I'd say you're right; it's somehow tied in with the initial EQ problem.

My money's on you, not them, btw. :smileywink:
* 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
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Anyone had their Alliant Credit Union Instant Approval Offers mysteriously disappear from system

I spoke to "Nick" this morning who said he would research and get back to me.  This afternoon at 4:30pm I called just to get an update.  "John" said Nick is still investigating and will get back to me tomorrow.  Evidently they are trying to locate my EQ file without a new pull.  I told them that I had the hard inquiry show up, so I know they got it....otherwise I doubt the system would have generated the instant approvals and confirmed identity.

 

So, tomorrow hopefully holds good news that they found my file and offers and no new pull....otherwise I am 2 for 2.  PenFed pulled me twice all ready....that EQ locked file really did me a number :smileyindifferent:

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Anyone had their Alliant Credit Union Instant Approval Offers mysteriously disappear from system

Yeah, this is definitely the stinky side of freezing your reports (even when you don't mean to).

Again, though, I'm thinking that you'll wear them down. :smileywink:
* 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
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Anyone had their Alliant Credit Union Instant Approval Offers mysteriously disappear from system

[ Edited ]

UPDATE:  Nick finally got back with me this morning.  I had to go through a manual loan review....the online offers not to be found.  But, they did have the EQ file, so they did not pull it again.

 

He approved the Visa $10k (did ask me to fax paystubs) and auto at 4.35% new or 4.60% used/refi.

 

 

Thanks for the positive vibes :smileyhappy: 

 

To quote my father (growing up), I'll appreciate it more because of the effort it required :smileyvery-happy:

Message Edited by txjohn on 04-01-2009 10:09 AM

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549

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