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Frequent Contributor
illtakecreditforthat
Posts: 320
Registered: ‎05-03-2009
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CU's that pull EQ

I wanted to apply for new credit card and EQ is my best CR.   I have Alliant credit card (great card) but wanted one more CU card  (major banks too unpredictable).  Does anyone know of an exclusive EQ puller by CU?   Thanks
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Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
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Re: CU's that pull EQ

Penfed and Navy Federal.
Frequent Contributor
illtakecreditforthat
Posts: 320
Registered: ‎05-03-2009
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Re: CU's that pull EQ


smallfry wrote:
Penfed and Navy Federal.

Thanks smallfry, but I don't think I qualify for membership  to NFCU.  Also, my EQ FICO is 690ish, no derrogs, some inquiries, and from what I've read would probably not qualify for Penfed card

I want PATIENCE...and I want it NOW
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
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Re: CU's that pull EQ

Do you have new accounts? What is your util? And do you have high CL's/debt already relative to your income?

 

Most credit unions pull EQ. My local CU pulled all three when a app'ed and booked an auto loan with then two years ago.

Frequent Contributor
illtakecreditforthat
Posts: 320
Registered: ‎05-03-2009
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Re: CU's that pull EQ


creditwherecreditisdue wrote:

Do you have new accounts? What is your util? And do you have high CL's/debt already relative to your income?

 

Most credit unions pull EQ. My local CU pulled all three when a app'ed and booked an auto loan with then two years ago.


I have 2 new accounts within past year,  UTIL 30%, income over $110K, AAoA 3 years, no lates, no baddies, highest CL $11K, average around $3K

I want PATIENCE...and I want it NOW
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
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Re: CU's that pull EQ


illtakecreditforthat wrote:

creditwherecreditisdue wrote:

Do you have new accounts? What is your util? And do you have high CL's/debt already relative to your income?

 

Most credit unions pull EQ. My local CU pulled all three when a app'ed and booked an auto loan with then two years ago.


I have 2 new accounts within past year,  UTIL 30%, income over $110K, AAoA 3 years, no lates, no baddies, highest CL $11K, average around $3K


Total revolving debt, total revolving credit, inq's in last 6 months, new accounts in last 6 months, total revolving accounts, total revolving account with balances, EQ FICO score?

Frequent Contributor
illtakecreditforthat
Posts: 320
Registered: ‎05-03-2009
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Re: CU's that pull EQ


creditwherecreditisdue wrote:

illtakecreditforthat wrote:

creditwherecreditisdue wrote:

Do you have new accounts? What is your util? And do you have high CL's/debt already relative to your income?

 

Most credit unions pull EQ. My local CU pulled all three when a app'ed and booked an auto loan with then two years ago.


I have 2 new accounts within past year,  UTIL 30%, income over $110K, AAoA 3 years, no lates, no baddies, highest CL $11K, average around $3K


Total revolving debt, total revolving credit, inq's in last 6 months, new accounts in last 6 months, total revolving accounts, total revolving account with balances, EQ FICO score?


Total debt - $12K

Total CL - $39K

Inq. 6 mos. - 5 (3 for leases; 2 revolving)

New Accounts 6 mos. - 2 leases; 1 credit card

Total Revolving accts - 5

Eq FICO 691

I want PATIENCE...and I want it NOW
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
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Re: CU's that pull EQ

Crap - I forgot to ask you if that $110K was all your income or if it is HHI. If it is HHI what is your income and would you be app'ing for the card as a joint card or individually.

 

I assume the new account is Alliant.

Frequent Contributor
illtakecreditforthat
Posts: 320
Registered: ‎05-03-2009
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Re: CU's that pull EQ


creditwherecreditisdue wrote:

Crap - I forgot to ask you if that $110K was all your income or if it is HHI. If it is HHI what is your income and would you be app'ing for the card as a joint card or individually.

 

I assume the new account is Alliant.


Individual, applying solo

 

Alliant is 7 months old, new account is US Bank - 2mos.

I want PATIENCE...and I want it NOW
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: CU's that pull EQ

I would halt app'ing, wait until anything new is more that six months old, pay your balances down a little and then app PenFed and ask for $20K right out of the box. If you do not get $20K you should get a counteroffer or recon for $10K.

 

I am perfectly serious.


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