topic Re: Interior FCU Approval in Credit Card Approvals

Interior FCU Approval

pip3man — Wed, 17 Aug 2022 16:45:52 GMT

CD53645F-9837-4E71-82B4-6D767723BFEF.jpeg

So after having a bad experience using movecu preapproval process, I decided to apply directly with the CU. HP on EQ. Had to submit paystubs, W2 forms and DL. Application was pending for like a day. Received a call from a representative to answer some security questions and was told I'd hear back in a day. Just now got a call back from a nice loan officer who informed me that application has been approved. This would be my highest limit!

Re: Interior FCU Approval

gingerflower — Wed, 17 Aug 2022 16:50:11 GMT

Congratulations on your approval!

Re: Interior FCU Approval

Lou-natic — Wed, 17 Aug 2022 17:10:01 GMT

Nice approval, congratulations!

Re: Interior FCU Approval

bachi607 — Wed, 17 Aug 2022 17:40:31 GMT

Congratulations, I am also planning to become a member and apply directly with Interior CU after movecu scam!! can you please share data points like whether this CU using Equifax FICO 8 or 9 and are they worried about recent Enq, I had high income can submit Paystubs but score is 685 for EQ/EX, any other data points that would help me before I submit application? did you submit credit card along with membership ? is there a HP for membership? Thanks

Re: Interior FCU Approval

pip3man — Wed, 17 Aug 2022 17:52:01 GMT

@bachi607 wrote:
Congratulations, I am also planning to become a member and apply directly with Interior CU after movecu scam!! can you please share data points like whether this CU using Equifax FICO 8 or 9 and are they worried about recent Enq, I had high income can submit Paystubs but score is 685 for EQ/EX, any other data points that would help me before I submit application? did you submit credit card along with membership ? is there a HP for membership? Thanks

I am not sure what score was pulled haven't received the Docusign papers but my CK score on EQ says 701. As u probably know that's Vantage and basically worthless. I have a 2 years old discharged BK7, 8% overall utilization, tons of new accounts, 8 inquiries, very low DTI. I applied simultaneously for both membership & credit card which resulted in only 1 HP. Membership app still shows Pending btw but I have no doubts it wouldn't go through cos I submitted all identity documentations proactively.

Re: Interior FCU Approval

bachi607 — Wed, 17 Aug 2022 17:56:55 GMT

great, thank you. I just called CR as well and they said its a HP for membership and its good for 30days

Re: Interior FCU Approval

bachi607 — Wed, 17 Aug 2022 18:11:27 GMT

@pip3man - I do not see an option to submit both membership and Credit Card, I initiated membership application , should I start directly applying for Credit Card to see both options at a time? Thanks

Re: Interior FCU Approval

Fortunate2017 — Wed, 17 Aug 2022 19:41:34 GMT

@bachi607 wrote:
Congratulations, I am also planning to become a member and apply directly with Interior CU after movecu scam!! can you please share data points like whether this CU using Equifax FICO 8 or 9 and are they worried about recent Enq, I had high income can submit Paystubs but score is 685 for EQ/EX, any other data points that would help me before I submit application? did you submit credit card along with membership ? is there a HP for membership? Thanks

I was just pre-approved today for an auto loan with Interior FCU and they pulled EQ Fico 9. DPs are 788 EQ 9, 11 inquiries in the last 12 months, and 8% utilization. They run chexsystems for membership. I can't be 100% certain its only chexsystem for membership as I applied for autoloan first. I hope this helps

Re: Interior FCU Approval

bachi607 — Wed, 17 Aug 2022 19:33:27 GMT

Ohh even for Credit Cards they use EQ Fico 9? Thanks

Re: Interior FCU Approval

winner88 — Wed, 17 Aug 2022 19:38:41 GMT

Congratulations! Did you get the same $25k limit?

Re: Interior FCU Approval

Fortunate2017 — Wed, 17 Aug 2022 19:44:27 GMT

If i remember correctly when I spoke to the representative I was told they use EQ 9 for all credit products. I will ve

@bachi607 wrote:
Ohh even for Credit Cards they use EQ Fico 9? Thanks

If I'm recalling correctly the Rep told me they use EQ9 for all credit products. I will verify when they call about my membership and post an update.

Re: Interior FCU Approval

MCM1 — Wed, 17 Aug 2022 23:05:47 GMT

Is it a soft or hard pull to join?

Re: Interior FCU Approval

cashorcharge — Wed, 17 Aug 2022 23:47:47 GMT

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Interior FCU Approval

pip3man — Wed, 17 Aug 2022 23:48:28 GMT

@MCM1 wrote:
Is it a soft or hard pull to join?

I indicated in the original post that it is a HP on EQ but then again I simultaneously applied for membership and credit at the same time

Re: Interior FCU Approval

pip3man — Thu, 18 Aug 2022 00:29:02 GMT

@winner88 wrote:
Congratulations! Did you get the same $25k limit?

Yes the loan officer first called me to ask some identity verification questions. Upon answering those, she said I should give her about an hour or 2 to be done working on the application. About 10mins later she calls back and verbally provides me with the $25k approval amount. Then I went online to check and the status changed from Pending to Instant Approved with the same amounts.

Re: Interior FCU Approval

CreditAggie — Thu, 18 Aug 2022 05:42:49 GMT

Congratulations on you Interior FCU approval!

Re: Interior FCU Approval

nytokyobred79 — Thu, 18 Aug 2022 06:45:06 GMT

@pip3man Congratulations on the awesome SL and approval.

Re: Interior FCU Approval

Janneman — Thu, 18 Aug 2022 14:32:09 GMT

@pip3man wrote:
CD53645F-9837-4E71-82B4-6D767723BFEF.jpeg
So after having a bad experience using movecu preapproval process, I decided to apply directly with the CU. HP on EQ. Had to submit paystubs, W2 forms and DL. Application was pending for like a day. Received a call from a representative to answer some security questions and was told I'd hear back in a day. Just now got a call back from a nice loan officer who informed me that application has been approved. This would be my highest limit!

Very nice...how many weeks paystubs and how many years' of W-2s they asked for?

Re: Interior FCU Approval

KingRue8500 — Thu, 18 Aug 2022 21:10:42 GMT

Congrats on your Interior FCU approval

Re: Interior FCU Approval

Janneman — Sat, 27 Aug 2022 23:46:25 GMT

@Janneman wrote:
@pip3man wrote:
CD53645F-9837-4E71-82B4-6D767723BFEF.jpeg
So after having a bad experience using movecu preapproval process, I decided to apply directly with the CU. HP on EQ. Had to submit paystubs, W2 forms and DL. Application was pending for like a day. Received a call from a representative to answer some security questions and was told I'd hear back in a day. Just now got a call back from a nice loan officer who informed me that application has been approved. This would be my highest limit!
Very nice...how many weeks paystubs and how many years' of W-2s they asked for?

OP is not around, I guess...Anyone else knows about it if you did go thru the whole process with this CU??