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Valued Contributor
starry1
Posts: 2,317
Registered: ‎11-29-2012
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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: 12/12/14 TU 659; EQ 659; EX 653
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
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09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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Re: DCU Pending #2 [Membership + CC App]

They pull EQ and no, I wouldn't consider them easy for credit approvals.
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09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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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.
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
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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)
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
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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.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

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.
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
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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)
Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
0

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.
Moderator
09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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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.
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

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.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)

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