Regular Contributor
Posts: 181
Registered: ‎07-24-2007

cu approval on the spot !!

Walked into my cu today and talk to a lo and 45mins later approved on the spot even with a recent bk13 discharge. It was scary but I told the lo the truth about the bk and it paid off. 8.5int fixed 1500cl.,no af . What a confidence builder!! So folks give it a try ,I did so now I plan to maintain and reach 800 in 24mo. or less. 728-tu,695-eq,721-ex frozen (bk gone off records in 24mo.)

Starting Score: 550-tu 550-eq
Current Score: 745-tu 777-eq (ex-736 lo)
Goal Score: 800-tu 800-eq

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Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008

Re: cu approval on the spot !!

Fantabulous Super Congrats! :smileyhappy:

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Frequent Contributor
Posts: 403
Registered: ‎04-08-2009

Re: cu approval on the spot !!

Congrats......BIG TIME on the Loan:smileyvery-happy: good luck. And you will make it to the 800 club soon. 


Equifax 787, TransUnion 793, Experian ? FAKO--> Who Cares
Senior Contributor
Posts: 3,577
Registered: ‎01-10-2008

Re: cu approval on the spot !!

wow, super congrats, cu's rock!
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Valued Contributor
Posts: 1,554
Registered: ‎03-11-2009

Re: cu approval on the spot !!

Chief,  congrats. 


 I know how you  feel.  I am retired and still learning.  I just got my first cc at the local credit union after 12 yrs of paying cash all of the time.  Since I didnt have any credit other than my mortgage for the past 20 yrs no one wanted to extend me any credit.  So, now I need to play the credit game I guess.  I dont like it, but I am going to go with the program.  Keep up the good work.  


Ficos  EX 716 ( 12/08)  EQ 682 ( 4/09 )  TU 670 ( 3/09 )  Hoping my new card will help my scores.

TU 805 12/12/14
EX 806 10/26/14
EQ 829 12/13/14
NASA 30K / / Amex 20k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Goal - At my age, just staying alive
Posts: 15
Registered: ‎04-05-2008

Re: cu approval on the spot !!

Super congrats Creditchief! I am thoroughly impressed by what I read here about Credit Unions. It seems, that is the way to go in current credit climate. I myself can’t wait to get a CU credit card.

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