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Moderator
Revelate
Posts: 8,318
Registered: ‎12-30-2011

Re: Just joined DCU!!!!!!


09Lexie wrote:
@Revelate

I was referring to masscredit approval for refi. They will use that same cr for a cc. I believe it's 30 days. Not to get confused with a sep HP for membership.

When was that reported?  Maybe I'm getting it confused but I think there's been numerous stories here and on other forums that suggest otherwise? 

 

I could be wrong, getting old.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Moderator
09Lexie
Posts: 24,395
Registered: ‎09-13-2012

Re: Just joined DCU!!!!!!

[ Edited ]
@Revelate

I'll try to locate that thread. I think it was the same one that listed the CS vs interest rate .

This is the thread I was referring to:
http://ficoforums.myfico.com/t5/Credit-Cards/DCU-CLI-and-Loan-Question/m-p/2062401#M572772
Established Contributor
masscredit
Posts: 682
Registered: ‎07-17-2012

Re: Just joined DCU!!!!!!

[ Edited ]
My rate is 2.49 but I believe it drops to 1.99 is I do two of the following -

Direct deposit of your net pay, Social Security, or pension to your DCU checking account.
Receive all your DCU monthly account and loan statements electronically.
Have an active loan with DCU (e.g. Visa credit card, auto loan, mortgage, equity loan).

#3 is covered and I'll do #2 also. Please correct me if I'm wrong about tis.

Seeing that I will be in the office, I'm going to request that they use the CR that they pulled for the re-fi for everything else. Not like it changed in a day.

btw - they pull EQ.

|****$6000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$750******|*****$700*****|
EX - 651 (MyFico 06/05/14) TU - 656 (Barclay 07/07/14 ) EQ 04 - 699 (DCU -06/26/14) EQ 08 - 683 (MyFico -06/06/14) 1% Utilization
Frequent Contributor
dabrian
Posts: 280
Registered: ‎12-10-2012

Re: Just joined DCU!!!!!!

I just applied online and was approved instantly for membership:smileyhappy:.  I apped for a refi on my wifes minivan which has a rate of 4.75% so hopefully I get some more good news.  

NFCU Sig Cash-20k, Amex BCP-8k, Amex Costco-1.2k,CSP-8k, Freedom-5k, Discover IT-11k,NCSECU-5k,Walmart-10k,Lowes-8.5k
Established Contributor
masscredit
Posts: 682
Registered: ‎07-17-2012

Re: Just joined DCU!!!!!!

I cut the anchor and closed on my re-fi today!  Went from 17.1% with Capital 1 to 1.99% with DCU.  I had 4 1/2 years left on the old loan. Payment was $283.xx. New loan is 4 years with a payment of $233.82. Total interest to be paid is $452.21. I would have paid that on the other loan in 3 months! 

 

I also opened a checking and savings account while I was there plus I was approved for a Visa with a $1k limit. There was a little note that went along with that one that said that I had to show that I paid my '11 tax lien.  I don't recall a call lien for '11 but I believe there is one filed in '11 but overall it was a very good experience! 


|****$6000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$750******|*****$700*****|
EX - 651 (MyFico 06/05/14) TU - 656 (Barclay 07/07/14 ) EQ 04 - 699 (DCU -06/26/14) EQ 08 - 683 (MyFico -06/06/14) 1% Utilization
Moderator
09Lexie
Posts: 24,395
Registered: ‎09-13-2012

Re: Just joined DCU!!!!!!

[ Edited ]
Did they pull you again for the cc? There has been some discussion regarding using the same pull from your refi.

By the way... Congrats on your Visa
Moderator
09Lexie
Posts: 24,395
Registered: ‎09-13-2012

Re: Just joined DCU!!!!!!

Established Contributor
masscredit
Posts: 682
Registered: ‎07-17-2012

Re: Just joined DCU!!!!!!

I asked if they could use the same pull from my auto loan.  The woman told me that she could if she was able to access it on her computer. She didn't say that she'd have to do another way.

 

As for the lien, I know there is at least 4 but I didn't think there was one from tax year '11. I believe there was at least one filed in '11 though so that might be what they were referred to. 

 

Even without the Visa, today was a good day! Now I have a very low rate, can pay down the car loan much quicker than before and establish a relationship with a good bank. I think that relationship will snowball from here. 


|****$6000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$750******|*****$700*****|
EX - 651 (MyFico 06/05/14) TU - 656 (Barclay 07/07/14 ) EQ 04 - 699 (DCU -06/26/14) EQ 08 - 683 (MyFico -06/06/14) 1% Utilization
Moderator
09Lexie
Posts: 24,395
Registered: ‎09-13-2012

Re: Just joined DCU!!!!!!

Congrats on the refi. Deal with the lien another day- enjoy your new rate!
Frequent Contributor
dabrian
Posts: 280
Registered: ‎12-10-2012

Re: Just joined DCU!!!!!!

Was approved for the refi at 1.99%. :smileyhappy:

NFCU Sig Cash-20k, Amex BCP-8k, Amex Costco-1.2k,CSP-8k, Freedom-5k, Discover IT-11k,NCSECU-5k,Walmart-10k,Lowes-8.5k

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