Reply
Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

psecu.

Just got accepted today! How tough are they? When it comes to applying for their cards.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Established Contributor
Posts: 662
Registered: ‎02-20-2013
0

Re: psecu.

Can i be your room mate? I'll rent a small closet or a corner in your living room? Enjoy the free EX score.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

Re: psecu.

Lol. Sure! Move in any time!
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,698
Registered: ‎08-13-2009
0

Re: psecu.

For me, they were tough.

 

My credit scores hovers around (just above and just below) 800, virtually no debt (paid off each payday or sooner in most  cases), and nothing negative on the credit report.

 

The lady told me I had to fax in pay stubs, tax returns, and give them permission to speak to HR dept to verify employment and pay.   (Rental income did not count.)  I thought that was outrageous given my credit report.  She said it was standard.  All of that for a credit card.  (My cc's have high limits, so this was shocking!).

 

I decided it was not worth the effort.  

 

Things could have changed.  I might have had a tough rep.  Who knows?

 

Call up and ask what they require.  That is what I had done.  And please let us know what they say!

Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

Re: psecu.

Okay. Ill give them a call :smileyhappy:
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
0

Re: psecu.


pineappledaydreams wrote:
Okay. Ill give them a call :smileyhappy:

They were not that hard for me. I was pre-approved for their Visa last July when I refi'd my truck with them. 9k lmit not bad at all!! Got a 3K HP CLI 3 months later.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

Re: psecu.

Just applied for the visa. Application is on hold due to no credit history. I applied with my new name whenever that happens it shows no credit history since my new name is only a few nonths old. They pull experian. They also mentioned they look for scores mid 600s. They said if youre self employed or had negative information on your reports they require more documents to approve the card or loan. For me they just want two most recent pay stubs.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

Re: psecu.

I am guessing I didnt get denied might be an approval just waiting on my stubs. :smileyhappy:
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
0

Re: psecu.


pineappledaydreams wrote:
I am guessing I didnt get denied might be an approval just waiting on my stubs. :smileyhappy:

Fingers crossed for ya!!!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 746
Registered: ‎10-15-2012
0

Re: psecu.

Any update pineapple?

 

I'm thinking about applying for this card, but I doubt I'd get approved with a PR on my EX report. I'll give them a call to see what they think.


Starting Score: 515
Current Score: EQ04 689 EX04 693 TU08 723
Goal Score: 700+

Amex BCP $12300 | PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | DCU $5000 | Citi DC $4600 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 QS One $2000 | Cap 1 Platinum $1700 | Union Plus $1000 | Target $200

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}