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DCU scores are up

Valued Contributor

DCU scores are up

My scores went up 4 points!
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 1 of 17
16 REPLIES
Valued Contributor

Re: DCU scores are up

Is DCU the same EQ as SW? Or different model?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 2 of 17
Established Contributor

Re: DCU scores are up

Up nine points.

Message 3 of 17
Valued Contributor

Re: DCU scores are up

This is a good reminder that I should apply for DCU for the Equifax FICO score. Anything I should know before I do?

Message 4 of 17
Blogger

Re: DCU scores are up


kevinjjc wrote:

This is a good reminder that I should apply for DCU for the Equifax FICO score. Anything I should know before I do?


They do a hard pull for whatever type of account you want to open with them.

 

Message 5 of 17
New Contributor

Re: DCU scores are up

For me, they did HP to open initial share account.  ( EQ )

 

They did another HP for Visa app.

 

I refinanced my car loan 25 days after Visa approval, and they didn't do a new HP for that. I guess they used the same one as for the Visa.

 

Alliant also did 2 HP - one to open, one for Visa app. ( also EQ )

 

Message 6 of 17
Valued Contributor

Re: DCU scores are up

Thanks for the replies! So I need to have either the Checking Plus or Relationship Checking to qualify for the free FICO? I read some posts in other forums that some people just have a DCU savings account and still get the free FICO. Maybe the rules have changed.

Message 7 of 17
Established Contributor

Re: DCU scores are up


kevinjjc wrote:

Thanks for the replies! So I need to have either the Checking Plus or Relationship Checking to qualify for the free FICO? I read some posts in other forums that some people just have a DCU savings account and still get the free FICO. Maybe the rules have changed.


I've also read that some are getting the free FICO with just the savings account.  I was worried that I wouldn't, so I actually applied for the Visa card (whim, not thinking I would get approved), as you can also get the free score with one of their credit cards.  Got a pending notice that changed to approved in about one hour, with a good limit/good APR.  So far I really like them, and the free monthly score is a great bonus.


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 8 of 17
Valued Contributor

Re: DCU scores are up


TNTransplant wrote:

kevinjjc wrote:

Thanks for the replies! So I need to have either the Checking Plus or Relationship Checking to qualify for the free FICO? I read some posts in other forums that some people just have a DCU savings account and still get the free FICO. Maybe the rules have changed.


I've also read that some are getting the free FICO with just the savings account.  I was worried that I wouldn't, so I actually applied for the Visa card (whim, not thinking I would get approved), as you can also get the free score with one of their credit cards.  Got a pending notice that changed to approved in about one hour, with a good limit/good APR.  So far I really like them, and the free monthly score is a great bonus.


I'm willing to open a checking and savings account, but I don't want a DCU credit card.

Message 9 of 17
Valued Contributor

Re: DCU scores are up

When I first joined I only had shares account and was receiving my free FICO score. Now I have DCU platinum
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 10 of 17