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DCU Denied my application for a credit card. They said there were too many inquiries total of 25 and 1 collection on my TransUnion credit report. They also pulled a credit report from Experian also. Not sure why they pulled from two bureaus instead of just one.
I was just approved for membership and they ran my EQ report a few days ago. I called this morning to see if they would you the same pull for the DCU Plat Visa and they told me it would be another hard pull. I called 2 more times and spoke to Member services and Loan services and they confirmed that they could not use the same pull from the membership. I decided not to apply at this time. They will pull twice and may use mulitple bureaus.
No none are auto or mortgage loan inquiries but different types of credit inquiries..i tried to recon but the answer is still no. Says to clear the inquiries and collection account then reapply.
That's weird I thought DCU only used EQ. I requested they pull TU or EX for my auto loan to try and get a higher tier and they said no.
@BobbyJ, the membership pull is a completely different system, but any credit product uses the same hard pull within 30 days. I was able to get membership, auto loan, Visa with 2 hard pulls.
Also, I keep my INQs very low, I had 0 INQ on EQ within 12 months, and 1 within 24.
| 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 |
Thanks Jutz, I am still reviewing whether it is worth applying for the Visa at this time. I have enough available credit but thought to myself since they pulled for membership why not use the same pull. That was before I found out that they will pull twice. Really wanted the free monthly EQ Fico Score anyways.
It's a worthwhile card in the absence of another high limit, low APR card, but looking at your current card lineup I don't see a pressing need.
| 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 |
@Jutz wrote:That's weird I thought DCU only used EQ. I requested they pull TU or EX for my auto loan to try and get a higher tier and they said no.
@BobbyJ, the membership pull is a completely different system, but any credit product uses the same hard pull within 30 days. I was able to get membership, auto loan, Visa with 2 hard pulls.
Also, I keep my INQs very low, I had 0 INQ on EQ within 12 months, and 1 within 24.
+1