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DCU Denied

Established Member

DCU Denied

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.

Message 1 of 10
9 REPLIES
Established Contributor

Re: DCU Denied

25 inqs.... If it was for auto loan, maybe they understand. Did you recon?
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 2 of 10
Frequent Contributor

Re: DCU Denied

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.

Fico:EQ 689 (1/8/17) EX 692 (2/8/17) TU 692 (1/8/17
C1 Venture One $10,000 / C1 Quicksilver Visa Sig $10,000 / C1 Quicksilver WMC $10,000 / Penfed Plat Rewards Visa Sig $9,500 / Penfed Power Cash Rewards Visa Sig $10,000 / Logix FCU Plat MC $12,000 / SDCCU Plat Visa $2,500 / Barclays Rewards MC $1500 / Best Buy Visa $2000 / Chase Amazon Prime Visa Sig $500 / Consumers Credit Union Plat Visa $2500 / Sams Club Store Card $437 / JCPenney $1,800, Fort Knox CU Plat Visa $5,000 / Lowes $7,000 / HSN Card $3,000 / Walmart Card $2,000 / Macys $800 / Target Red Card $800
Message 3 of 10
Established Member

Re: DCU Denied

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.

Message 4 of 10
Valued Contributor

Re: DCU Denied

25 its a lot. I was approved with 14 i think. And they wont use same HP from membership
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 5 of 10
Valued Contributor

Re: DCU Denied

Oh also are you already a member?
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 6 of 10
Valued Contributor

Re: DCU Denied

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.

  • 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 7 of 10
Frequent Contributor

Re: DCU Denied

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.

Fico:EQ 689 (1/8/17) EX 692 (2/8/17) TU 692 (1/8/17
C1 Venture One $10,000 / C1 Quicksilver Visa Sig $10,000 / C1 Quicksilver WMC $10,000 / Penfed Plat Rewards Visa Sig $9,500 / Penfed Power Cash Rewards Visa Sig $10,000 / Logix FCU Plat MC $12,000 / SDCCU Plat Visa $2,500 / Barclays Rewards MC $1500 / Best Buy Visa $2000 / Chase Amazon Prime Visa Sig $500 / Consumers Credit Union Plat Visa $2500 / Sams Club Store Card $437 / JCPenney $1,800, Fort Knox CU Plat Visa $5,000 / Lowes $7,000 / HSN Card $3,000 / Walmart Card $2,000 / Macys $800 / Target Red Card $800
Message 8 of 10
Valued Contributor

Re: DCU Denied

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.

  • 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 9 of 10
Moderator Emerita

Re: DCU Denied


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

Message 10 of 10