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Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012

Re: Just joined DCU!!!!!!

I make around 1.5-2k a month

Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Senior Contributor
Ron1
Posts: 4,640
Registered: ‎05-23-2009

Re: Just joined DCU!!!!!!

[ Edited ]

Rhaeny wrote:

Ron, I was instantly approved for $7500.  My score was 720 on EQ and I had zero inquiries.  My AAOA was over 6 years.  I was also fresh out of a bk and the only open accounts I had was a commenity card for $150 and a CreditOne card for $500 (both 6 months old).  How I got that I don't know because my eyes were bucked when I saw that instant approval.  One thing I did do was start working on cleaning up my accounts long before my discharge (ch 13) because I knew when it was done that I would need a car.  So in essence I was hell bent on making sure that I had a very good score.  The one thing that worked in my favor is that most of my baddies had been deleted and the remaining 2 accounts were really close to the 7 year mark so I think it played a low impact on the approval decision.


Thanks for info and congrats on your approval.  I got 7 inquiries (including DCU) within 2 years and AAOA was around 6 years. The score score was 748 FICO Score (from Cap1) I have perfect credit history.  I don't know what's their credit criteria. The utilization was 1%.Do you think I have any chance to get approved? Did they ask for the proof of income?

 

 

 

Ron.

Senior Contributor
Ron1
Posts: 4,640
Registered: ‎05-23-2009

Re: Just joined DCU!!!!!!


zerobacan wrote:

I joined online this Sunday the 21st too! and got a HP in EQ

 

then right away they sent me an email asking for my DL, sent it it back to the reply email. and they cashed my 5 bucks for my opening deposit.

 

Yesterday nothing happened, called and they told me it was in process.

 

Today early in the morning got an email asking for a color copy of my SSC, sent.

 

Hopefully I can get an answer tomorrow :smileyhappy:

 

Im in CA by the way.

 

 


I think we joined on the same day. They also asked me for a color copy of SSC. I already sent it out. I'm waiting for their response.

 

 

Ron.

Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Just joined DCU!!!!!!


Ron1 wrote:

zerobacan wrote:

I joined online this Sunday the 21st too! and got a HP in EQ

 

then right away they sent me an email asking for my DL, sent it it back to the reply email. and they cashed my 5 bucks for my opening deposit.

 

Yesterday nothing happened, called and they told me it was in process.

 

Today early in the morning got an email asking for a color copy of my SSC, sent.

 

Hopefully I can get an answer tomorrow :smileyhappy:

 

Im in CA by the way.

 

 


I think we joined on the same day. They also asked me for a color copy of SSC. I already sent it out. I'm waiting for their response.

 

 

Ron.


Cool! let see who gets it first :smileyhappy:

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Senior Contributor
Ron1
Posts: 4,640
Registered: ‎05-23-2009

Re: Just joined DCU!!!!!!


zerobacan wrote:

Ron1 wrote:

zerobacan wrote:

I joined online this Sunday the 21st too! and got a HP in EQ

 

then right away they sent me an email asking for my DL, sent it it back to the reply email. and they cashed my 5 bucks for my opening deposit.

 

Yesterday nothing happened, called and they told me it was in process.

 

Today early in the morning got an email asking for a color copy of my SSC, sent.

 

Hopefully I can get an answer tomorrow :smileyhappy:

 

Im in CA by the way.

 

 


I think we joined on the same day. They also asked me for a color copy of SSC. I already sent it out. I'm waiting for their response.

 

 

Ron.


Cool! let see who gets it first :smileyhappy:


+1 :smileyhappy:  Do you plan to apply for cc?

 

 

 

Ron.

Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Just joined DCU!!!!!!

Yep, but need to get my membership approve first, but shiiii dont tell anyone, suppost to be in the garden :smileyhappy:

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Senior Contributor
Ron1
Posts: 4,640
Registered: ‎05-23-2009

Re: Just joined DCU!!!!!!


zerobacan wrote:

Yep, but need to get my membership approve first, but shiiii dont tell anyone, suppost to be in the garden :smileyhappy:


It's worth to step out of the garden. :smileyhappy:

 

 

Ron.

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: Just joined DCU!!!!!!


Ron1 wrote:

Rhaeny wrote:

Ron, I was instantly approved for $7500.  My score was 720 on EQ and I had zero inquiries.  My AAOA was over 6 years.  I was also fresh out of a bk and the only open accounts I had was a commenity card for $150 and a CreditOne card for $500 (both 6 months old).  How I got that I don't know because my eyes were bucked when I saw that instant approval.  One thing I did do was start working on cleaning up my accounts long before my discharge (ch 13) because I knew when it was done that I would need a car.  So in essence I was hell bent on making sure that I had a very good score.  The one thing that worked in my favor is that most of my baddies had been deleted and the remaining 2 accounts were really close to the 7 year mark so I think it played a low impact on the approval decision.


Thanks for info and congrats on your approval.  I got 7 inquiries (including DCU) within 2 years and AAOA was around 6 years. The score score was 748 FICO Score (from Cap1) I have perfect credit history.  I don't know what's their credit criteria. The utilization was 1%.Do you think I have any chance to get approved? Did they ask for the proof of income?

 

 

 

Ron.


Absolutely you have a great chance of getting an instant approval.  And no they didn't ask me for any proof of anything.  If they would have I would have provided it immediately.

 

Google "creditpulls" and look and see the scores of those who were approved.  They pull EQ for CC and you will see that with your score you have an excellent chance.  


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Senior Contributor
Ron1
Posts: 4,640
Registered: ‎05-23-2009

Re: Just joined DCU!!!!!!


Rhaeny wrote:

Ron1 wrote:

Rhaeny wrote:

Ron, I was instantly approved for $7500.  My score was 720 on EQ and I had zero inquiries.  My AAOA was over 6 years.  I was also fresh out of a bk and the only open accounts I had was a commenity card for $150 and a CreditOne card for $500 (both 6 months old).  How I got that I don't know because my eyes were bucked when I saw that instant approval.  One thing I did do was start working on cleaning up my accounts long before my discharge (ch 13) because I knew when it was done that I would need a car.  So in essence I was hell bent on making sure that I had a very good score.  The one thing that worked in my favor is that most of my baddies had been deleted and the remaining 2 accounts were really close to the 7 year mark so I think it played a low impact on the approval decision.


Thanks for info and congrats on your approval.  I got 7 inquiries (including DCU) within 2 years and AAOA was around 6 years. The score score was 748 FICO Score (from Cap1) I have perfect credit history.  I don't know what's their credit criteria. The utilization was 1%.Do you think I have any chance to get approved? Did they ask for the proof of income?

 

 

 

Ron.


Absolutely you have a great chance of getting an instant approval.  And no they didn't ask me for any proof of anything.  If they would have I would have provided it immediately.

 

Google "creditpulls" and look and see the scores of those who were approved.  They pull EQ for CC and you will see that with your score you have an excellent chance.  


Thanks for your reply. Did they ask your membership number when you apply? Which card did you apply for ? Should I wait for my membership got approved first? Are they inquiry sensitive?

 

 

Ron.

Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: Just joined DCU!!!!!!


Ron1 wrote:

Rhaeny wrote:

Ron1 wrote:

Rhaeny wrote:

Ron, I was instantly approved for $7500.  My score was 720 on EQ and I had zero inquiries.  My AAOA was over 6 years.  I was also fresh out of a bk and the only open accounts I had was a commenity card for $150 and a CreditOne card for $500 (both 6 months old).  How I got that I don't know because my eyes were bucked when I saw that instant approval.  One thing I did do was start working on cleaning up my accounts long before my discharge (ch 13) because I knew when it was done that I would need a car.  So in essence I was hell bent on making sure that I had a very good score.  The one thing that worked in my favor is that most of my baddies had been deleted and the remaining 2 accounts were really close to the 7 year mark so I think it played a low impact on the approval decision.


Thanks for info and congrats on your approval.  I got 7 inquiries (including DCU) within 2 years and AAOA was around 6 years. The score score was 748 FICO Score (from Cap1) I have perfect credit history.  I don't know what's their credit criteria. The utilization was 1%.Do you think I have any chance to get approved? Did they ask for the proof of income?

 

 

 

Ron.


Absolutely you have a great chance of getting an instant approval.  And no they didn't ask me for any proof of anything.  If they would have I would have provided it immediately.

 

Google "creditpulls" and look and see the scores of those who were approved.  They pull EQ for CC and you will see that with your score you have an excellent chance.  


Thanks for your reply. Did they ask your membership number when you apply? Which card did you apply for ? Should I wait for my membership got approved first? Are they inquiry sensitive?

 

 

Ron.


I applied for the CC first so I didn't have a membership number.  But once you get access to your account you can apply from a link in there.  I applied for the platinum visa (non-rewards) because I heard that the program was not that great anyway.  I got 9.5% APR so if I want to buy a big ticket item I can use this card.  As for inquiry sensitivity, I have read various responses to that they are and they aren't.  Your profile is strong though so I don't believe it would apply to you.  And no you don't have to wait if you really want it, but they will use a different pull on EQ.  Supposedly the pull for membership is different than one for credit products.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

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