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Regular Contributor
TryN2Rebuild
Posts: 155
Registered: ‎04-14-2009
0

Re: DCU Credit card

Is DCU inquiry sensitive?

 

Established Member
rob022574
Posts: 24
Registered: ‎07-06-2012
0

Re: DCU Credit card

Be very careful with this CU. They approve at 670 so long as you don't have a ton of new accounts and inquiries. I had 11 new accounts in the past year (due to rebuilding) and possess a 705EQ and they still denied. YMMV.

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: DCU Credit card


rob022574 wrote:

Be very careful with this CU. They approve at 670 so long as you don't have a ton of new accounts and inquiries. I had 11 new accounts in the past year (due to rebuilding) and possess a 705EQ and they still denied. YMMV.


Denied for membership or for CC?  I was approved for both membership and CC at 645EQ, albeit with very few INQ

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Super Contributor
Ron1
Posts: 5,063
Registered: ‎05-23-2009
0

Re: DCU Credit card


TryN2Rebuild wrote:

Is DCU inquiry sensitive?

 


I don't think they are inquiry sensitive. I got approved with 8 inquiries.

 

 

Ron.

Super Contributor
Ron1
Posts: 5,063
Registered: ‎05-23-2009
0

Re: DCU Credit card

DCU took a long time to process the membership. They might need to send a copy of DL, SS card and a copy of the utliity bill.  I heard a lot of people got denied the membership because unable to verify identity or not enough score. They pulled EQ for membership. You get another EQ pull for cc.  I just got my free EQ score.

 

 

Ron.


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