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DCU Credit card

Regular Contributor

Re: DCU Credit card

Is DCU inquiry sensitive?

 

Message 11 of 15
Valued Member

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.

Message 12 of 15
Valued Contributor

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 13 of 15
Super Contributor

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.

Message 14 of 15
Super Contributor

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.

Message 15 of 15