topic Re: AOD Membership Chex Inquiry Sensitivity in Personal Finance

AOD Membership Chex Inquiry Sensitivity

audioman00 — Sun, 26 Jul 2020 01:03:58 GMT

Hi All,

Searched for this answer on the AOD threads but couldn't find it. Is AOD Chex inquiry sensitive for memberships?

I'm ready to ride the wave, sitting on ~830 EQ5, 0/12, 1/24, 2% UTL, 7% DTI, but with 5 Chex sys inquiries this year. Afraid I'll qualify for the card but not the membership :/

Thanks!

Re: AOD Membership Chex Inquiry Sensitivity

minski — Sun, 26 Jul 2020 03:29:30 GMT

Yes, somewhat. Out of all the credit unions I have joined, they were the only ones to question me on my Chex inquiries. I was completely taken aback.

Re: AOD Membership Chex Inquiry Sensitivity

snickerpedia — Sun, 26 Jul 2020 07:13:54 GMT

I joined in April with at least 7 Chex inquiries in 6 months with no problem....

times may have changed with the myfico stampede though...

Re: AOD Membership Chex Inquiry Sensitivity

M_Smart007 — Sun, 26 Jul 2020 08:13:14 GMT

I think I had 6 in 6 months or thereabouts.

Re: AOD Membership Chex Inquiry Sensitivity

M_Smart007 — Sun, 26 Jul 2020 08:14:39 GMT

@snickerpedia wrote:
I joined in April with at least 7 Chex inquiries in 6 months with no problem....
times may have changed with the myfico stampede though...

Things may have changed after the myFICO tidal wave of approvals

Re: AOD Membership Chex Inquiry Sensitivity

Gmood1 — Sun, 26 Jul 2020 15:51:42 GMT

When I joined I was never asked about my Chex system inqs. I'm not for sure on the number. Probably 12 or more in a 12 month period.

Things have changed from what others that followed me have said. So who knows now.

Re: AOD Membership Chex Inquiry Sensitivity

RootDet — Sun, 26 Jul 2020 17:03:23 GMT

When I joined AOD I had 4 inquiries within 5 months and 1 inquiry 2 years old.

Re: AOD Membership Chex Inquiry Sensitivity

audioman00 — Sun, 26 Jul 2020 21:38:00 GMT

Rootdet - thanks for the datapoint. When did you apply?

Re: AOD Membership Chex Inquiry Sensitivity

RootDet — Sun, 26 Jul 2020 21:51:08 GMT

Within the last 30 days