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DCU Pending #2 [Membership + CC App]

Valued Contributor

Re: DCU Pending #2 [Membership + CC App]

Who do they pull for membership, and are they known for easy credit approvals?


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 41 of 58
Moderator Emerita

Re: DCU Pending #2 [Membership + CC App]

They pull EQ and no, I wouldn't consider them easy for credit approvals.
Message 42 of 58
Moderator Emerita

Re: DCU Pending #2 [Membership + CC App]

@jsickz32

Thanks for the information. I have been trying to get 'that membership out of the way first' was the best way to go. I'm glad that you gave more detailed information.
Message 43 of 58
Valued Contributor

Re: DCU Pending #2 [Membership + CC App]

Seriously they instantly approved me for 7500 with 14 inqs on EQ and about 14 new accounts opened within 4 months when i apped.
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 44 of 58
Frequent Contributor

Re: DCU Pending #2 [Membership + CC App]

I called today my application is under review and I verified they received all my docs. The CSR told me it might be until the end of the week before I get approved, according to the New Accounts dept. Mind you I apped for membership 12am on Monday. The CSR tried to get a set timeline for me but couldnt get anything more concrete than what I just said, she was nice. I honestly, just don't know what the hold up is. It's like going through flipping customs.

 

Damn it, jsickz32 would you think it's possible for me to recon on my limit after I get the welcome package and membership no.? Lol.

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 45 of 58
Moderator Emerita

Re: DCU Pending #2 [Membership + CC App]

@jsickz32

I was approved for $10k with 7 inq- all of my revolving credit is 6 mos or newer (8 reporting at the time I app'd). I know they want at least a CS of 675 for their unsecured Visa. I remember reading that they will approve with some baddies but not recent ones. In my case my Ch13 is still reporting but its 8 years from the date of dismissal.
Message 46 of 58
Valued Contributor

Re: DCU Pending #2 [Membership + CC App]

I was approved for membership within the hour. I joined thru a uncle who has 3 car loans with DCU.

Nope and i called couple days ago about cli and they told me that now you have to wait for your year anniversary to ask for a cli.
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 47 of 58
Moderator Emerita

Re: DCU Pending #2 [Membership + CC App]

@warjar

I believe they also use an outside source for identity verification. Idk but that might be the reason for any delays in membership processing.
Message 48 of 58
Moderator Emerita

Re: DCU Pending #2 [Membership + CC App]

@jsickz32

I have been a member so long- I can't remember the turnaround time. I just sent in my packet and a week later my welcome packet was in the mail- that was 8 years ago. TBH, I can't remember how I was affiliated/organization needed to be eligible. I live in So Cal and have never stepped foot in a branch.
Message 49 of 58
Frequent Contributor

Re: DCU Pending #2 [Membership + CC App]

@jsickz - Waiting a yr. is fine, I'll just take them to build a good relationship with them. Do they HP for a CLI though or is there a way around that for these guys?

 

@Lexi - Oh I see, thanks for the tip Lexi, hopefully that's all it is. I'll keep you all posted.

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX
Message 50 of 58