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Regular Contributor
jagshere
Posts: 134
Registered: ‎07-07-2011
0

Re: DCU Pending


rightcoast wrote:

Congrats on the CL! It does appear they need a lot of information. I have provided pay-stubs, W-2's, and ID for now before they have asked just to be prepared. Fingers crossed.

 

UPDATE:

 


Got a new message from a rep on CC app. 

[1/10/2013 11:22:53 AM EST] xxx, Alexandria:we will need you to establish membership with us
[1/10/2013 11:57:23 AM EST] Dane xxx:Yes, the membership is in process. I have provided all of the information necessary. Thank you for your response.
[1/10/2013 12:11:14 PM EST] xxx, Alexandria:thank you

 

Very odd


Good luck~


12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: DCU Pending

It's so weird how much more work you guys have had to do.  Within 7 days I've had a fully open savings and checking account with funds, received a bank check for $17k for an auto loan, and am just waiting on the mail to be delivered with my VISA card.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
jagshere
Posts: 134
Registered: ‎07-07-2011
0

Re: DCU Pending


Jutz wrote:

It's so weird how much more work you guys have had to do.  Within 7 days I've had a fully open savings and checking account with funds, received a bank check for $17k for an auto loan, and am just waiting on the mail to be delivered with my VISA card.


Im in NY(mabey thats why?), and I was prepared as I read from others about the documentation requirements. I have no issue with someone who wants to verify my identilty,its good for me as well as them at the end of the day!


12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Established Member
olderwiser3
Posts: 55
Registered: ‎01-07-2013
0

Re: DCU Pending

Same here.  I'm local and all I had to do was show my license and tell them my SSN when I went into a branch.  I'm wondering if it's a combination if things in the report coupled with being remote that makes them be really cautious.  I went in with my SS card, birth cert, passport and last paycheck stub but didn't need any of them.  Maybe I just have an honest face.  :smileyvery-happy:

Regular Contributor
jagshere
Posts: 134
Registered: ‎07-07-2011
0

Re: DCU Pending


Jutz wrote:

It's so weird how much more work you guys have had to do.  Within 7 days I've had a fully open savings and checking account with funds, received a bank check for $17k for an auto loan, and am just waiting on the mail to be delivered with my VISA card.


Obtaining a new SSN card was my only hiccup, and it really wasn't bad,  20 minute ride and about another 20 minute wait at the SS office. Was pleased with the CL as it got me above the 5k mark. :smileyhappy:


12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Frequent Contributor
rightcoast
Posts: 278
Registered: ‎12-10-2012
0

Re: DCU Pending

Keep in mind I apped yesterday around 2PM so it hasnt been an eternity. But, longer than I would expect for an app for anything to take. 


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Regular Contributor
jagshere
Posts: 134
Registered: ‎07-07-2011
0

Re: DCU Pending


rightcoast wrote:

Keep in mind I apped yesterday around 2PM so it hasnt been an eternity. But, longer than I would expect for an app for anything to take. 


They seem to move slower than nomal, so keep the faith!


12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k


Frequent Contributor
rightcoast
Posts: 278
Registered: ‎12-10-2012
0

Re: DCU Pending

UPDATE:

 

DENIED

 

Denial ReasonsCredit too new to rate. Income insufficient for amount of credit requested. Limited credit experience.

 

 

I do not know about my membership status yet, I will update as soon I receive the info.

Amount of credit requested? I didnt even request an amt i just apped for the CC! come on man!

 

I tried.. back to the garden I go hopefully someone will learn from my mistakes


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Established Member
olderwiser3
Posts: 55
Registered: ‎01-07-2013
0

Re: DCU Pending

I suppose I could see the denial of the CC with your current scores.  But I'd be surprised if they deny a membership as long as you give them the right documentation and don't have a bad Chexsystems report (I assume they check this).  As for the CC, maybe you can establish an otherwise good banking relationship as a member and reapply in a few months once your numbers are up a bit.  Good luck!  Keep us apprised of the membership decision.

Established Member
olderwiser3
Posts: 55
Registered: ‎01-07-2013
0

Re: DCU Pending

Since one of their reasons is the length of history, how long have you had your other cards open?


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