topic Re: Alliant in Credit Cards

Alliant

happy0510 — Tue, 18 May 2010 21:07:20 GMT

I have been with Alliant since 9/09. I applied and was turned down for products at the time due to not having enough history (spoke with a rep) and having 1 baddie.

I had 1 baddie and 1 good open TL at the time. I immediately applied and was approved for my Macy's and Kay's which were opened in 9/09.

My question is this: Since they soft me every quarter so they can update my FAKO, will they also offer me a product in the future? Or is this something I will ALWAYS have to initiate with them?

Thanks in advance!!

I am extremely happy with my banking so far with them. Just LOVE it!!

Re: Alliant

Anonymous — Wed, 19 May 2010 14:05:28 GMT

Hi, happy0510!

I don't know if credit products will be offered or not without you asking, I just wanted to clarify your reference to the Alliant "FAKO" score.

It's not a FAKO, it is a real EX Fico score. It's just that it is a NextGen scoring model, which is not used by very many lenders.

Still the real deal, though.

And I agree...I like Alliant, too!

Re: Alliant

Anonymous — Wed, 19 May 2010 14:49:28 GMT

@Anonymous wrote:

I just wanted to clarify your reference to the Alliant "FAKO" score.

It's not a FAKO, it is a real EX Fico score. It's just that it is a NextGen scoring model, which is not used by very many lenders.

Still the real deal, though.

Oh--that's a good clarification!

Re: Alliant

happy0510 — Wed, 19 May 2010 16:07:59 GMT

@Anonymous wrote:
Hi, happy0510!

I don't know if credit products will be offered or not without you asking, I just wanted to clarify your reference to the Alliant "FAKO" score.

It's not a FAKO, it is a real EX Fico score. It's just that it is a NextGen scoring model, which is not used by very many lenders.

Still the real deal, though.

And I agree...I like Alliant, too!

You're kidding???!!! So I'm in the 700 club??!!!! Yippeee!!

Can I say that? Lol

Re: Alliant

happy0510 — Wed, 19 May 2010 16:09:06 GMT

Oh and I guess I will initiate after I close on my mortgage...love them!

Re: Alliant

Anonymous — Wed, 19 May 2010 16:15:46 GMT

Correct me if I'm wrong, but isn't Alliant an EQ puller? I know they use a different model of scoring than FICO, but I'm pretty sure it's EQ and not EX.

Re: Alliant

score_building — Wed, 19 May 2010 16:43:12 GMT

@Anonymous wrote:
Correct me if I'm wrong, but isn't Alliant an EQ puller? I know they use a different model of scoring than FICO, but I'm pretty sure it's EQ and not EX.

You are right, they pull EQ for cc apps.

However, the score they offer to members is an EX nexgen as Uborrow stated (that's the EX score listed in my siggie.)