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Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Credit Union! Really???

So i applied for DCU platinum and got approved for 5k! Unfortunately i took another pull for membership and was denied! So not a good start ... It probably due to my chexsystem that will fall off in 7/2013 .... Ill probably try again until then...i stepped out of the garden after 2 months ... Then i tried my local credit union that i been a member on for 12 years .. they gave me a 2k loc and. $500 cc 8 yrs ago...the credit card was closed due to a few 30 day lates.....sooooo i tried my luck and applied for the same cc and asked for $5k and guess what? They offered $500!!! And said i need to establish history with them....really??? I been a member for 12 yrs, i paid a loc without lates and only booboo i made was the $500 cc that were late a few times.... Wow, this was one of the credit unions that suck!!!


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: Credit Union! Really???

Does chexsystems show that you owe any money?  If that indeed is the reason for denial then perhaps if you pay it, you may be able to recon with DCU....if that's the only reason.


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: Credit Union! Really???


Rhaeny wrote:

Does chexsystems show that you owe any money?  If that indeed is the reason for denial then perhaps if you pay it, you may be able to recon with DCU....if that's the only reason.


I think it does...i requested a copy and the denial letter from dcu hasnt arrived yet ..so we shall see... two wasted inquiries ... but hopefully id get approve next time in the future, seems like they give great CLs...


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: Credit Union! Really???

Why don't you just call DCU and ask them if chexsystems is the reason for denial?  If so, ask DCU if you clear this up immediately will you still be able to gain membership.   What have you got to lose at this point?  IMO opinion I wouldn't just throw my hands up and let it go since you were obviously approved for the card.  The memberhship is your obstacle so clear that up.


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: Credit Union! Really???

i just hate denials.... i will try to talk to them tomorrow... am just bad at explaining myself over the phone...thats why all my recons were done thru email lol...thats how i got my freedom and my cap ones increases lol


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
Rhaeny
Posts: 1,502
Registered: ‎07-24-2011

Re: Credit Union! Really???

Yea I understand that, but goodness you basically have the card in your hand!  You've gotten 2 HP's for it.  

 

Here is the link that you can send them an email about your application and make your plea.

 

DCU loan status


Major CC's - Barclay's ($3.3K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($15K) | Navcheck ($22K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($10K) | Amex Delta ($10K)
Store CC's -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2K) | Sams Club ($1.1K)
Goal: Age with grace to 750 across the board
Last app: 3/3/2014

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