DCU Membership

[Bluedog23]

Quick and simple question. I know,that applying for DCU membership is  a HP. But that is only an inq correct? The opening of membership is not considered an account therefore will not impact AAOA, right? No hit to AAAO until I apply for and am approved for credit, correct? Yes I know,applying for credit is another HP. 

[Kenny]

Right -- so long as you don't open another TL when you first open your DCU account then you're ok.

It is one of the perks of getting the membership though -- in that you'll find out if you're preapproved for anything when you first get in and they use that same HP supposedly.

[Bluedog23]

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@KennyRS wrote:

Right -- so long as you don't open another TL when you first open your DCU account then you're ok.

It is one of the perks of getting the membership though -- in that you'll find out if you're preapproved for anything when you first get in and they use that same HP supposedly.

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Thanks. As for them using the same HP, I've read a couple of recent post saying they "do this now." But can't verify.Oh well, I guess I'll,find out soon enough.

[Kenny]

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@Bluedog23 wrote:

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@KennyRS wrote:

Right -- so long as you don't open another TL when you first open your DCU account then you're ok.

It is one of the perks of getting the membership though -- in that you'll find out if you're preapproved for anything when you first get in and they use that same HP supposedly.

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Thanks. As for them using the same HP, I've read a couple of recent post saying they "do this now." But can't verify.Oh well, I guess I'll,find out soon enough.

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I think the best way if you're going to use the same HP is to make sure you do your apps over the phone.

[H14]

I applied for membership online, at the end they told me I was preapproved for the CC. Checked the box and completed membership. There was a separate inq for the CC the following day. 

[Kenny]

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@H14 wrote:

I applied for membership online, at the end they told me I was preapproved for the CC. Checked the box and completed membership. There was a separate inq for the CC the following day. 

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Sounds like this was online, right? Wonder if people who do it over the phone would have the same result. Interesting data point. Thanks!

[Bluedog23]

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@KennyRS wrote:

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@H14 wrote:

I applied for membership online, at the end they told me I was preapproved for the CC. Checked the box and completed membership. There was a separate inq for the CC the following day. 

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Sounds like this was online, right? Wonder if people who do it over the phone would have the same result. Interesting data point. Thanks!

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I'll try doing it by phone. I have two inquiries on EQ which will fall off in November, and I'll deal with the two additional inqs if that's what it takes to get my auto loan. However, I cannot for the life of me figure out why they would need two back to back pulls when I repeatedly read others saying as H14 does that they're approved for credit with the first pull. What purpose could a second HP serve?  I get it though---'their money, their rules, lol.

[juggalo9er]

you might be able to get away with this as well.....i apped for dcu and another cu the same day, only showed up as 1 hp