topic Re: Alliant CU - wow! One-pull wonders in Credit Cards

Alliant CU - wow! One-pull wonders

Anonymous — Mon, 19 May 2008 20:51:09 GMT

Don't know why more good stuff isn't being said about this group...but I joined Alliant CU (they have lots of affilation qualifications, seems easy - for me it was being a member of the local PTA)..

I filled out the app, and with ONE pull to EQ (FICO score 743) , they offered me all at once:

Membership (duh!)

Free Checking (really free, no catches or minimum things for me to do)

Savings Account with 3.93% interest (NOT A CD rate, but just the standard savings!!)

Credit Card with a limit of $7,500

Offer for a car loan up to $30,000

One pull.... all those things... I'm REALLY REALLY impressed. Frankly, especially with the savings account rate... and it's not just for high balances.. anything over $100 gets 3.93 %.

Anyone else use them? I don't know what their minimum qualifications are... ?? I'm sure lots of us would *want* to know!

Their website is: http://www.alliantcreditunion.org

Re: Alliant CU - wow! One-pull wonders

Anonymous — Mon, 19 May 2008 21:14:57 GMT

The list of eligible organizations can also be found here:

http://www.alliantcreditunion.org/membership/eligibility/organizations/

Note the PTA thing... you don't have to be a parent (or a teacher) to join that!

Does anyone here have Alliant?

Re: Alliant CU - wow! One-pull wonders

smallfry — Mon, 19 May 2008 21:16:37 GMT

I'm not but I hear they are pretty good. Among the top 10 CU's in the country I understand.

Re: Alliant CU - wow! One-pull wonders

jaxstraw — Thu, 17 Jul 2008 00:34:21 GMT

They're really popular among the Edit crowd.

Many good things said over there.

Jax

Message Edited by cheddar on 07-16-2008 05:34 PM

Re: Alliant CU - wow! One-pull wonders

Anonymous — Mon, 19 May 2008 21:38:06 GMT

Thanks Sovi!

I went to the site and these guys look really good.

They're the 8th largest credit union in the country

with about $5 Billion in assets. Nice rates, too.

Question: You have a really strong EQ of 743, but did they give

you any indication of what qualifying FICO they're looking for?

This info would come in really handy for all the forum members.

Thanks for sharing!

CanDo

"The right attitude is everthing"

Re: Alliant CU - wow! One-pull wonders

jaxstraw — Thu, 17 Jul 2008 00:34:43 GMT

If you go to CreditPulls over at Edit (it's their version of whogavemecredit.com) , people were getting approved with low 600's and bk's at times.

WGMC didn't have much, three entries and all old.

They gave out some pretty good CL for high 600 to low 700. 5K TO 25K with most down in the 5k to 10k area. For mid to low 600's it was 1k to 10k depending on different situations.

All EQ pulls.

Jax

Message Edited by cheddar on 07-16-2008 05:34 PM

Re: Alliant CU - wow! One-pull wonders

Anonymous — Mon, 19 May 2008 22:34:54 GMT

Thanks Jax!

You da Man!

CanDo

"The right attitude is everything"

Re: Alliant CU - wow! One-pull wonders

Anonymous — Thu, 17 Jul 2008 00:34:58 GMT

jaxstraw wrote:
If you go to CreditPulls over at Edit (it's their version of whogavemecredit.com) , people were getting approved with low 600's and bk's at times.

WGMC didn't have much, three entries and all old.

They gave out some pretty good CL for high 600 to low 700. 5K TO 25K with most down in the 5k to 10k area. For mid to low 600's it was 1k to 10k depending on different situations.

All EQ pulls.

Jax

Super Jax -- That's exactly what I figured most of us here neeeded. From what you're saying, it sounds like they're reasonable, not too 'stiff' -- and I can certainly vouch for their products (so far). I've called CS once and they answered almost immediately and were very nice and professional. They're even offering a $100 Visa gift card if I refinance my car loan with them (no need to get a new car). Loan rates seem competitive and the savings rate is phenomenal. LOVE that it's not only if you have 10k plus.

Now I wonder if there's anyone here that has had them for awhile? May have to check out the other forum you mentioned.

Thanks for your research!

Message Edited by cheddar on 07-16-2008 05:34 PM

Re: Alliant CU - wow! One-pull wonders

oracles — Mon, 07 Jul 2008 22:10:34 GMT

I know this is an old thread, however i am thinking of joining. Do you know if they ask for proof that you belong to a PTA. I do belong but have not gone to any meetings in awhile so i did not want to go and get a letter from them. thanks

Re: Alliant CU - wow! One-pull wonders

smallfry — Mon, 07 Jul 2008 22:12:31 GMT

@oracles wrote:
I know this is an old thread, however i am thinking of joining. Do you know if they ask for proof that you belong to a PTA. I do belong but have not gone to any meetings in awhile so i did not want to go and get a letter from them. thanks

I have heard that they take pictures of every meeting. Can you prove you were present comrade?

Re: Alliant CU - wow! One-pull wonders

oracles — Mon, 07 Jul 2008 22:21:25 GMT

lol very funny- oh well guess i wont get this card lol

Re: Alliant CU - wow! One-pull wonders

jaxstraw — Mon, 07 Jul 2008 22:22:48 GMT

They never checked or asked when I joined. I just put down I was a member of my local PTA.

They do use a different measuring system for FICO scores. Your EQ score will be lower than what you think you have. Some other credit sites have confirmed this. I offered to fax my current credit report but that didn't help.I was denied a card but reconned.Too many new accts. They ended up giving me a $500 CC.

I'll build with it and let it grow when the CLI time comes.

Jax

Message Edited by jaxstraw on 07-07-2008 03:22 PM

Re: Alliant CU - wow! One-pull wonders

oracles — Mon, 07 Jul 2008 22:26:46 GMT

thanks jax, i think i will wait.

Re: Alliant CU - wow! One-pull wonders

Anonymous — Mon, 07 Jul 2008 22:32:15 GMT

I got 2.5 k a couple months ago with mid 600's

Re: Alliant CU - wow! One-pull wonders

Anonymous — Tue, 08 Jul 2008 02:07:01 GMT

Go for it. I joined PTA, they did not ask for proof, they approved me for $5,000 cc last week. Pulled EQ, 675-700 credit grade. ASK FOR WHAT LIMIT YOU REALLY WANT AND LET THEM COUNTER OFFER. I should have asked for more than I asked for, but that was before I knew. They told me to call back in a couple months and ask for an increase.

It is worth a try.

Re: Alliant CU - wow! One-pull wonders

oracles — Tue, 08 Jul 2008 02:13:41 GMT

thanks for the response

Re: Alliant CU - wow! One-pull wonders

biturbomunkie — Wed, 16 Jul 2008 21:48:21 GMT

i opened a shares account and got preapproved for a CC and an auto loan. i accepted the offers but how do i get approved instead of preapproved? will they call or i need to call them? also, does anyone know if alliant allows product change? they preapproved the rewards visa, but i'd rather opt for the lower APR non-rewards visa for emergency use.

Re: Alliant CU - wow! One-pull wonders

Anonymous — Wed, 16 Jul 2008 22:21:58 GMT

I'm a USTA member and would be eligible but I worry about my EQ being 698. Guess I'll wait until my CCCU turns one year. Did they only pull the one cr?

Did they tell you what your score with them was?

Message Edited by casinoannie97 on 07-16-2008 03:21 PM

Re: Alliant CU - wow! One-pull wonders

smallfry — Wed, 16 Jul 2008 23:51:13 GMT

@biturbomunkie wrote:
i opened a shares account and got preapproved for a CC and an auto loan. i accepted the offers but how do i get approved instead of preapproved? will they call or i need to call them? also, does anyone know if alliant allows product change? they preapproved the rewards visa, but i'd rather opt for the lower APR non-rewards visa for emergency use.

PIF what is the difference?

Re: Alliant CU - wow! One-pull wonders

smallfry — Wed, 16 Jul 2008 23:52:05 GMT

@Anonymous wrote:
Go for it. I joined PTA, they did not ask for proof, they approved me for $5,000 cc last week. Pulled EQ, 675-700 credit grade. ASK FOR WHAT LIMIT YOU REALLY WANT AND LET THEM COUNTER OFFER. I should have asked for more than I asked for, but that was before I knew. They told me to call back in a couple months and ask for an increase.
It is worth a try.

Very nice. They are a good CU.