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Ive been thinking of applying for a DCU VISA and possibly their auto refi. My scores are 677, 675, 681. I do have a bankruptcy that was discharged in 2010. Ive since gotten 4 CC and have an excellent history since the bankruptcy.
Do they approve people with a discharged bankruptcy. Not wanting to waste a HP if they wont approve because of the BK.
Thanks!
@tjw0783 wrote:Ive been thinking of applying for a DCU VISA and possibly their auto refi. My scores are 677, 675, 681. I do have a bankruptcy that was discharged in 2010. Ive since gotten 4 CC and have an excellent history since the bankruptcy.
Do they approve people with a discharged bankruptcy. Not wanting to waste a HP if they wont approve because of the BK.
Thanks!
They are BK friendly. Mine was discharged the same year as yours and I had around a 650 equifax (what they pull) and got approved for a 2k CC and a 20k car loan. The membership plus 2 loans was 2 HP.
@bnau99 wrote:
@tjw0783 wrote:Ive been thinking of applying for a DCU VISA and possibly their auto refi. My scores are 677, 675, 681. I do have a bankruptcy that was discharged in 2010. Ive since gotten 4 CC and have an excellent history since the bankruptcy.
Do they approve people with a discharged bankruptcy. Not wanting to waste a HP if they wont approve because of the BK.
Thanks!
They are BK friendly. Mine was discharged the same year as yours and I had around a 650 equifax (what they pull) and got approved for a 2k CC and a 20k car loan. The membership plus 2 loans was 2 HP.
bnau99 - did you apply in branch or online? Think that makes a difference for number of pulls. May not, but thought I read that somewhere on here.
@BigBS wrote:
@bnau99 wrote:
@tjw0783 wrote:Ive been thinking of applying for a DCU VISA and possibly their auto refi. My scores are 677, 675, 681. I do have a bankruptcy that was discharged in 2010. Ive since gotten 4 CC and have an excellent history since the bankruptcy.
Do they approve people with a discharged bankruptcy. Not wanting to waste a HP if they wont approve because of the BK.
Thanks!
They are BK friendly. Mine was discharged the same year as yours and I had around a 650 equifax (what they pull) and got approved for a 2k CC and a 20k car loan. The membership plus 2 loans was 2 HP.
bnau99 - did you apply in branch or online? Think that makes a difference for number of pulls. May not, but thought I read that somewhere on here.
I applied online. There were 5 questions or so pertaining to my credit report that I had to answer for verification. I had an instant approval, but many have had to wait a week or longer because they answered those questions wrong or their address needed to be confirmed with DCU.