DCU Credit card

[TryN2Rebuild]

Is DCU inquiry sensitive?

[rob022574]

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.

[Jutz]

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@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.

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

[Ron1]

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@TryN2Rebuild wrote:

Is DCU inquiry sensitive?

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

Ron.

[Ron1]

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.