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Regular Contributor
Duke-of-Earl
Posts: 204
Registered: ‎06-20-2009

Re: Switching Everything to Alliant

Oh I am SO disappointed things didn't work out as you had hoped.  I read this whole thread beginning to end, hardly ever have the patience to do that, but your enthusiasm and positive attitude are so contagious.  By the end, I was really hoping with you.  Please hang in, you'll get there.  Wishing you all the best ...


Starting Score: EQ 804 - (April 2009)
Upgraded thanks to FICO Forums: EQ 813 / EX 842 / TU 823 - (FICO scores from mortgage lenders, June 2010)
Recent Scores: EQ 807 / TU 799 - (March 2012)
Goal: Survive Another Day
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Regular Contributor
ashkev89
Posts: 228
Registered: ‎07-21-2008

Re: Switching Everything to Alliant

Thank you so much. I have to admit I'm a little disappointed too. I'm happy I got my foot in the door with a checking and savings account. I do plan on putting my savings and direct deposit at this bank so I can build a relationship with them. I just hate that it didn't work out the way I wanted it to. I am focusing on not applying until may of next year for anything. I'm done with credit. Just going to work on paying down debt. Thanks for reading you guys and Happy Holidays :-)

Starting Score: 475 09/2008
Current Score: 07/2012 EX:696 (BOFA & Amex Fico) EQ:707 (CU Pull) TU:708 (Walmart FIco)
Goal Score: To Be in the 800 Club!!!!!!


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Regular Contributor
castlefox
Posts: 227
Registered: ‎12-09-2010

Re: Switching Everything to Alliant

Ashkev89 -  What reason did they give you for not giving you one of their credit cards? 

 

Did they tell you what your credit score was when they turned you down?

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Established Contributor
learnin113
Posts: 541
Registered: ‎12-02-2011

Re: Switching Everything to Alliant

My experience with Alliant is excellent so far...still crossing fingers tho...my account is less than 2 months. (I have Checking/Savings/Rewards Visa Card)

Regular Contributor
ashkev89
Posts: 228
Registered: ‎07-21-2008

Re: Switching Everything to Alliant

I cosigned for a car loan with my sister and they included that payment in my dti ratio. I tried everything to prove that my income does not pay for that responsibility but they werent having any of that. The only way I can get what I want from Alliant is to have my sister join, which she is going to join, and then refinance her car. 

 

Until then the answer will always be no. 

 

Credit score was 652

 

All baddies (only 2) paid in full

 

Have never been late on anything since Sept 2009


Starting Score: 475 09/2008
Current Score: 07/2012 EX:696 (BOFA & Amex Fico) EQ:707 (CU Pull) TU:708 (Walmart FIco)
Goal Score: To Be in the 800 Club!!!!!!


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Regular Contributor
castlefox
Posts: 227
Registered: ‎12-09-2010

Re: Switching Everything to Alliant

When you log into the alliant website does it show you what your Fako score is ?   

 

If not it will prolly update at the end of December.  Im curious as to what it will show for you.  

MyFICO score- Equifax - 12.03.11 - 780 Experian 12.03.11 - 763
(FAKO Scores) EXP PLUS Score Dec 2011. 748
Advanced Risk Score 2.0 (NextGen) 793 Dec 2010
Vantage Score (2011) MAR = 771 Jun = 771 Sept= 788 Dec= 773
2012 MAR = 782 JUN=783 Dec = 789
2013 Mar-796 Jun-799 Dec- 797
Regular Contributor
ashkev89
Posts: 228
Registered: ‎07-21-2008

Re: Switching Everything to Alliant

No scores yet. I will post those as soon as it becomes available. :-)

Starting Score: 475 09/2008
Current Score: 07/2012 EX:696 (BOFA & Amex Fico) EQ:707 (CU Pull) TU:708 (Walmart FIco)
Goal Score: To Be in the 800 Club!!!!!!


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