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Valued Contributor
09Lexie
Posts: 5,207
Registered: ‎09-13-2012

Re: DCU?

Unfortunately with DCU it doesn't matter if you are a member first or get approved for their credit/loan products first- they will HP you twice.  



Starting Score: 600's
Current Score: Exp Plus 743 04/13; 707 LP Discover 01/13 ; 733 05/13, 693 04/13, 703 03/13, 02/13, 702 TU WalMart 01/13; 702 EX LP 11/12; EQ 699 MyFico 01/13, EQ 699 11/12, CS 714 03/13
Goal Score: 800

Contributor
jagshere
Posts: 98
Registered: ‎07-07-2011

Re: DCU?

[ Edited ]

racer-x wrote:

I was instantly approved online for their VISA, then went through the membership process and I was pulled again.

 

It didn't work for me as far as apping lst then membership, and I'm not so sure that it ever did.

 


 When I opened my savings account, I had an instant approval for a 25K auto loan. I had to app for the credit card and got a 7500 limit(which is my highest)in a few days. They wanted copy's of DL and SSN card. I had to apply for a dup SSN card, and so the process took a few weeks. In the end it worked out. I like the fact that you can deposit an image of a check right into your account with the mobile app(Like BOA).(Yes it waa two hard pulls).

 


10/12 TU-668 FICO 11/19 676-FICO 12/26 746-FICO 1/5 WM FIC0-763 2/4 WM FICO 758 3/6 721
DCU FICO 750 1/25 DCU FICO 700 2/22 707 DCU FICO 3/28 710
10/12 EX-721(FAKO) 10/22 AMEX (FICO) 646 10/19 725(FAKO)12/8 731(FAKO) 1/15 738 (FAKO)
Discover 1.2k|Chase Freedom 5k| DCU 7.5K| Walmart Discover 10K
First Niagara 2K| PenFed 9k| BCE 1k



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