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DaveSignal
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Re: Lenders that offer Free FICO scores!


jd5189 wrote:

Oh yeah, whatever address you app'd for make sure there is someone there that can forward mail to you because they send a Signature Sheet that you have to sign in 10 days of receiving it.


Yeah, I put my mother's address since my home of record is an apartment address in PA where no one I know currently lives.  I don't know if I can make a 10 day turnaround with my mother forwarding that mail to an APO address in UK.  I will worry about that later though.   Right now, I am just hoping they approve my application, because it is kind of stretching the rules into a grey area.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
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DaveSignal
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Re: Lenders that offer Free FICO scores! PSECU applied!

UPDATE:  just verified SOFT-PULL on EX!   Yippie!  I hope I get in, but thanks jd for the great info!

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
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jd5189
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Re: Lenders that offer Free FICO scores! PSECU applied!

Good news. Once the soft goes through that typically means they found you eligible location-wise otherwise they would have not have pulled. Your scores are similar to mine so I don't see why they would deny you credit-wise. Keep us updated!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
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DaveSignal
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Re: Lenders that offer Free FICO scores! PSECU applied!


jd5189 wrote:

Good news. Once the soft goes through that typically means they found you eligible location-wise otherwise they would have not have pulled. Your scores are similar to mine so I don't see why they would deny you credit-wise. Keep us updated!


I don't think this means anything.  I think they pulled the EX report immediately when I clicked the 'submit' button because thats when it started asking questions to verify identity related to my report.  But, yes, maybe the info I put in passed some sort of cursory computer-based check.  I think they are going to manually review everything within the next 3 days though before giving me a membership number or reason for denial.  I do, however, see 2 soft-pulls on the EX report:

 

 

... so I'm not sure why the pulled it 2 times.  Maybe one is for the manual review.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
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jd5189
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Re: Lenders that offer Free FICO scores! PSECU applied!

I had received an email right after I app'd:
PSECU : Your Account Application has been received.

Two minutes after that I got approved:
PSECU : Account Application Acceptance Notification

So keep an eye out in your email inbox for updates!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
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DaveSignal
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Re: Lenders that offer Free FICO scores! PSECU applied!

I just called them again and they confirmed that my application was approved!  woo hoo!   Unfortunately, they did not give me my member number and told me to wait until I get it in the mail.  So it is a good thing that I used my mother's address and she can forward that mail to me.  Awesome.  Thanks for your help jd!  

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
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jd5189
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Re: Lenders that offer Free FICO scores! PSECU applied!

Congrats on the approval and you're welcome. Glad I could help and give you some info into it! As for the signature sheet, she could probably scan it, email it to you and have you sign it, email it back to her and she could print then send it out for you.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
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DaveSignal
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Re: Lenders that offer Free FICO scores! PSECU applied!


jd5189 wrote:

Congrats on the approval and you're welcome. Glad I could help and give you some info into it! As for the signature sheet, she could probably scan it, email it to you and have you sign it, email it back to her and she could print then send it out for you.


I don't think PSECU is going to close my account if they get the signature card late.  It is much easier for my mother to just mail it to me.  I am not rushing to open a credit card or get any kind of loan, so I can wait.  The sole purpose of having this account, at this point in time, is to get free EX FICO scores.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
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pozativelyliving
Posts: 237
Registered: ‎07-13-2012
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Re: Lenders that offer Free FICO scores! PSECU applied!

So aside from  PSECU, any other places offer this service? 

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
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DaveSignal
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Re: Lenders that offer Free FICO scores! PSECU applied!

PSECU is the only credit union I know of that openly advertises that they will give out regular free Experian FICO scores.  AFAIK, nobody else does it for EX. 

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k

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