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Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Yes, you too can join PSECU and find out your EX FICO score!

January scores are out today. 788 up from 775. This should be the highest i see since the PSECU Visa has yet to hit the reports. Sweet middle score though.:smileywink:

Valued Contributor
mauve
Posts: 2,487
Registered: ‎02-18-2010
0

Re: Yes, you too can join PSECU and find out your EX FICO score!

I'm planning to apply in a few months, but I have a few questions:

 

1) it seems that the primary reason for denial for the cc is too many inquiries or too many new accounts - what's the lowest number of new accounts / inquiries that someone has been rejected over?  I've been reading numbers like 7 inquiries and 3 new accounts, which I feel is kind of high, but maybe that's just me

 

2) You request the credit limit on the cc?  I've never applied for a cc where you request a specific limit.  If they don't like you for the 20k, has someone applied for a high number and approved for a smaller one yet?


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


Take the myFICO Fitness Challenge
Frequent Contributor
jaystay
Posts: 368
Registered: ‎09-14-2009
0

Re: Yes, you too can join PSECU and find out your EX FICO score!

[ Edited ]

1) TBH, they are probably just looking for denial reasons because they've already lent a lot and don't know how to control it. I was approved for the max with 5 new accounts and 3 recent inquiries back in early Dec.

 

2) They determine the amount

 

Here is what the app asks for:

 

Middle Initial:
Address:
Is this your correct address? *
Marital Status: *
Residential Status: *
Time at Present Address: * years months
Is this your home or school address? *
Do you have a school address? *
Do you have a home address? *
Monthly Housing Payments: * $
Home Phone: * ( ) -
Mobile Phone: ( ) -
e-Mail Address:
Is this your correct email address? *
Citizenship Status: *
School Address Line 1: *
School Address Line 2:
School City: *
School State: *
School Zip Code: * +
Home Address Line 1: *
Home Address Line 2:
Home City: *
Home State: *
Home Zip Code: * +
Employment Status: *
Employer Name: *
Title / Position: *
Business Phone: * ( ) -
Salary: * $ (Salary – Annual Gross.)
Time with Present Employer: * years months
Future Start Date: * (mm/dd/yyyy)
Other Income for Applicant (annual gross):
Amount     Source
$         
Other Income Employer Name: *

Alimony, child support and separate maintenance income need not be revealed if you do not wish to have it considered.
Monthly obligations for Alimony, Child Support or Other Court - Ordered Payments: $

Do you have a checking account? *
No    Yes
Have you filed bankruptcy in the past 5 years?*
No    Yes
Do you have any unsettled lawsuits or judgments for the business or any guarantor? *
No    Yes
Are there any taxes past due for the business or any owner/partner? *
No    Yes

Information for Government Monitoring Purposes

The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

You are not required to furnish this information, but are encouraged to do so. You may select one or more designations for "Race." The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below.

* I do not wish to furnish this information.
Ethnicity:

    * Hispanic or Latino
    * Not Hispanic or Latino

Race:

    * American Indian or Alaska Native
    * Asian
    * Black or African American
    * Native Hawaiian or Other Pacific Islander
    * White

Sex:

    * Female
    * Male

Is this an individual or joint application? *


EQ Starting Score: 579 | TU Starting Score: 568
EQ Current Score: 650 | TU Current Score: 653
EQ Goal Score: 1000 | TU Goal Score: 1000


Valued Contributor
mauve
Posts: 2,487
Registered: ‎02-18-2010
0

Re: Yes, you too can join PSECU and find out your EX FICO score!

Thanks!  I feel like I've read at least one post (and actually more) about applying for a specific amount and regretting not applying for a higher one.  Ah well.


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


Take the myFICO Fitness Challenge
Established Member
stizzlerizzle
Posts: 20
Registered: ‎08-12-2010
0

Re: Yes, you too can join PSECU and find out your EX FICO score!

When applying do they ask everyone to send a copy of their license, social security card, pay stub, and utility bill?


Starting Score: TU: 655 EQ: 701 (12/2010)
Current Score:TU: 673 EQ: 701 EX: 675 (2/2011)
Goal Score: TU: 720 EQ: 750 EX:720


Take the FICO Fitness Challenge
Frequent Contributor
jaystay
Posts: 368
Registered: ‎09-14-2009
0

Re: Yes, you too can join PSECU and find out your EX FICO score!

 


stizzlerizzle wrote:

When applying do they ask everyone to send a copy of their license, social security card, pay stub, and utility bill?


Nope. They only started doing that as they tightened up ship.

 


EQ Starting Score: 579 | TU Starting Score: 568
EQ Current Score: 650 | TU Current Score: 653
EQ Goal Score: 1000 | TU Goal Score: 1000


Senior Contributor
BungalowMo
Posts: 4,243
Registered: ‎05-01-2008
0

Re: Yes, you too can join PSECU and find out your EX FICO score!

 


jaystay wrote:

1) TBH, they are probably just looking for denial reasons because they've already lent a lot and don't know how to control it. I was approved for the max with 5 new accounts and 3 recent inquiries back in early Dec.

 

2) They determine the amount

 

Here is what the app asks for:

 

Middle Initial:
Address:
Is this your correct address? *
Marital Status: *
Residential Status: *
Time at Present Address: * years months
Is this your home or school address? *
Do you have a school address? *
Do you have a home address? *
Monthly Housing Payments: * $
Home Phone: * ( ) -
Mobile Phone: ( ) -
e-Mail Address:
Is this your correct email address? *
Citizenship Status: *
School Address Line 1: *
School Address Line 2:
School City: *
School State: *
School Zip Code: * +
Home Address Line 1: *
Home Address Line 2:
Home City: *
Home State: *
Home Zip Code: * +
Employment Status: *
Employer Name: *
Title / Position: *
Business Phone: * ( ) -
Salary: * $ (Salary – Annual Gross.)
Time with Present Employer: * years months
Future Start Date: * (mm/dd/yyyy)
Other Income for Applicant (annual gross):
Amount     Source
$         
Other Income Employer Name: *

Alimony, child support and separate maintenance income need not be revealed if you do not wish to have it considered.
Monthly obligations for Alimony, Child Support or Other Court - Ordered Payments: $

Do you have a checking account? *
No    Yes
Have you filed bankruptcy in the past 5 years?*
No    Yes
Do you have any unsettled lawsuits or judgments for the business or any guarantor? *
No    Yes
Are there any taxes past due for the business or any owner/partner? *
No    Yes

Information for Government Monitoring Purposes

The following information is requested by the federal government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws.

You are not required to furnish this information, but are encouraged to do so. You may select one or more designations for "Race." The law provides that a lender may not discriminate on the basis of this information, or on whether you choose to furnish it. However, if you choose not to furnish the information and you have made this application in person, under federal regulations the lender is required to note ethnicity, race and sex on the basis of visual observation or surname. If you do not wish to furnish the information, please check below.

* I do not wish to furnish this information.
Ethnicity:

    * Hispanic or Latino
    * Not Hispanic or Latino

Race:

    * American Indian or Alaska Native
    * Asian
    * Black or African American
    * Native Hawaiian or Other Pacific Islander
    * White

Sex:

    * Female
    * Male

Is this an individual or joint application? *


HOLY MOLY!!!!  :smileysurprised:

 

 

The only thing missing...

 


Fingerprint-card_1.jpg

 

crime-suspect-dna-swab-thumb6794058.jpg



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Moderator
MarineVietVet
Posts: 14,948
Registered: ‎07-14-2009
0

Re: Yes, you too can join PSECU and find out your EX FICO score!

I just found this newest requirement to join PSECU.  :smileysad:

 

 

Leg.JPG

Regular Contributor
edens04
Posts: 122
Registered: ‎02-09-2009
0

Re: Yes, you too can join PSECU and find out your EX FICO score!

I just mailed my arm in last week.. so maybe soon i will be accepted!

Frequent Contributor
JagerBombs89
Posts: 406
Registered: ‎09-13-2009
0

Re: Yes, you too can join PSECU and find out your EX FICO score!

 


stizzlerizzle wrote:

When applying do they ask everyone to send a copy of their license, social security card, pay stub, and utility bill?


I applied back on November 12th and they asked me for all this info :smileymad:

 


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