OK, then it was not considered by any credit agency. They have no idea what you have in checking, savings, or in a shoebox under your bed. All they are looking at is credit usage and history, not cash available. Possibly your CU pulled a FAKO score, which is rare but not impossible.
When you pulled your FICO's yourself, did you look at the reports to see if anything had just posted, like a new high balance or a late? Or alternatively, was there something good like a big pay-down on your cards that wasn't showing? That's the only thing I can think of--that the CU was looking at data from a different date than what you saw. Anyone else got any guesses?
I think you got lucky!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007