cancel
Showing results for 
Search instead for 
Did you mean: 

DCU membership FINALLY apprroved!!

tag
scarzy
Regular Contributor

DCU membership FINALLY apprroved!!

I was denied in December of 2012 due to my fresh bk7 (score was low). Last week, I

decided to reapply. Well, I was denied due to "validation." I must have failed one of the 4 questions "validation" test.

One question I wasn't sure of, so I guessed.

 

Today, I decided to reapply. Yes, a week after my denial! lol The "validation" test was much easier. Before I knew it, I was approved! Got my membership 

number, and now, I can rest!!  Smiley Happy

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 1 of 5
4 REPLIES 4
myjourney
Super Contributor

Re: DCU membership FINALLY apprroved!!


@scarzy wrote:

I was denied in December of 2012 due to my fresh bk7 (score was low). Last week, I

decided to reapply. Well, I was denied due to "validation." I must have failed one of the 4 questions "validation" test.

One question I wasn't sure of, so I guessed.

 

Today, I decided to reapply. Yes, a week after my denial! lol The "validation" test was much easier. Before I knew it, I was approved! Got my membership 

number, and now, I can rest!!  Smiley Happy


A big congrats

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 5
MsLadyRover
Valued Contributor

Re: DCU membership FINALLY apprroved!!

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 3 of 5
100down0monthly
New Contributor

Re: DCU membership FINALLY apprroved!!


@scarzy wrote:

I was denied in December of 2012 due to my fresh bk7 (score was low). Last week, I

decided to reapply. Well, I was denied due to "validation." I must have failed one of the 4 questions "validation" test.

One question I wasn't sure of, so I guessed.

 

Today, I decided to reapply. Yes, a week after my denial! lol The "validation" test was much easier. Before I knew it, I was approved! Got my membership 

number, and now, I can rest!!  Smiley Happy


I'm assuming a HP for each app?

 


Message 4 of 5
scarzy
Regular Contributor

Re: DCU membership FINALLY apprroved!!

 


100down0monthly wrote:


scarzy wrote:

I was denied in December of 2012 due to my fresh bk7 (score was low). Last week, I

decided to reapply. Well, I was denied due to "validation." I must have failed one of the 4 questions "validation" test.

One question I wasn't sure of, so I guessed.

 

Today, I decided to reapply. Yes, a week after my denial! lol The "validation" test was much easier. Before I knew it, I was approved! Got my membership 

number, and now, I can rest!!  Smiley Happy


I'm assuming a HP for each app?

 


 

 

I hope not! Imo, I think not because I'm already in their database??

 

 

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.