Reply
New Contributor
Posts: 62
Registered: ‎09-01-2009
0

Re: alliant 3-5 day message to join?

Shae 123: I have a BK-13 filed 04, discharged early 08, should drop from reports next summer.  Several lates in 06.  Perfect history for about 4 years.  Good luck to you if you apply! 

 

Cardmaster:  WOW.  Way to go!

Contributor
Posts: 86
Registered: ‎06-14-2010
0

Re: alliant 3-5 day message to join?

on EQ, just a 60 day late from 5+ years ago on a student loan.  Otherwise a clean report.  I pulled my fico before I app'd so it's a fresh score.  I did not get the 3-5 day message when i joined, it approved me online.  But from what others have said on here it sounds like the 3-5 day message is sometimes triggered by answering the fraud questions wrong.

 

I did not get a CC preapproval when going thru the member join screens.  So I had to call in for that, and had to do a whole new app.  So, it wound up being 2 inq's on EQ (one for membership, the other for CC).  For a $15K CC, I was OK with that!!  I live in TU land, so nobody pulls EQ around here anyways.  So only have a couple inq's on EQ....no big deal.

 

Strange thing though, my FICO from this site and the score he quoted me were substantially different.  He said i was between 680 and 720 or something.  I think I read somewhere that they use a different FICO scoring model though. 


Starting Score: 3/2010 - TU = 635 EQ = 620
Current Score: 10/2010 - TU = 699 EQ = 743 EX = 709 (LO pull)
Goal Score: 1,000,000


Take the FICO Fitness Challenge
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.