topic Re: Alliant CU? in General Credit Topics

Alliant CU?

stagefoursurvivor — Sat, 16 Apr 2011 12:44:29 GMT

I applied for membership yesterday, checking & savings with direct deposit. Not automatic approval and wonder if I will be approved with scores in the 600-650 range?

Re: Alliant CU?

Anonymous — Sat, 16 Apr 2011 13:09:27 GMT

@stagefoursurvivor wrote:
I applied for membership yesterday, checking & savings with direct deposit. Not automatic approval and wonder if I will be approved with scores in the 600-650 range?

If you only applied for banking products, without credit, I doubt you'd have a problem, unless you're in Chexsystems.

Re: Alliant CU?

stagefoursurvivor — Sat, 16 Apr 2011 13:18:02 GMT

I'm clueless about chexsystems. What does it do and why would I be in it? I've never written any bad checks.

Re: Alliant CU?

Anonymous — Sat, 16 Apr 2011 13:36:33 GMT

Chexsystems is like a CRA for bank accounts, bad checks, etc.

If you have never had a bank account go south or wrote a bad check you shouldn't have anything to worry about.

However, with the way identity theft is rampant these days, I would at least order a report from them to make sure. You can google Chexsystems and order a free report from online.

Re: Alliant CU?

Anonymous — Sat, 16 Apr 2011 13:39:43 GMT

You can request a copy of your report or file (or whatever term they use) from ChexSystem. You can google them and request it online if you'd like to know for sure. If you've never bounced a check, you're probably in fine shape.

Congrats on opening accounts with Alliant. I like them fine. They gave DH his first high limit CC.

Re: Alliant CU?

Anonymous — Sat, 16 Apr 2011 14:37:35 GMT

+2! What Guiness56 & beamMeUp said!

I like Alliant a lot as well. They have lovely customer service. I like their credit card too.

Re: Alliant CU?

stagefoursurvivor — Sat, 16 Apr 2011 14:50:40 GMT

I'm not counting on a cc but, would like to build a relationship and perhaps use their student loan service

Re: Alliant CU?

stagefoursurvivor — Sat, 16 Apr 2011 15:26:22 GMT

WTH?

I submitted all my info as directed to chex and hit submit but, it redirected me to crap about their service, NO report???

Re: Alliant CU?

Anonymous — Sat, 16 Apr 2011 15:51:05 GMT

@stagefoursurvivor wrote:
WTH?

I submitted all my info as directed to chex and hit submit but, it redirected me to crap about their service, NO report???

I went thru the process just to see how it worked and when I got to the page where it asks for all your info, name, ss#, DOB etc...... it says this right at the top of the page....

"Please complete and submit the online form below to request a ChexSystems report. Your consumer report will be sent to you via U.S. mail within 5 business days."

I assume it said the same thing for you, but, you may have missed that part. I did not go thru with the process because I know I never wrote a bad check or had any problems with a bank ever, I just wanted to see if I could find out why you didn't receive your report, and I think I found out why, you do not get it immediately online, it is mailed to you.

I could be wrong or have missed something, but that's what it said for me.

Re: Alliant CU?

Anonymous — Sat, 16 Apr 2011 16:04:05 GMT

Correct, you do not get it online, it is mailed to you.

I got mine in about 7 days.

Re: Alliant CU?

Anonymous — Sat, 16 Apr 2011 16:29:10 GMT

Me too. It was boring and uneventful, but it was reassuring to see what was on it.

Re: Alliant CU?

stagefoursurvivor — Mon, 18 Apr 2011 18:46:45 GMT

Well, I don't know what my Chex shows but, I got approved to join Alliant today so, it must have been OK

Re: Alliant CU?

happy0510 — Mon, 18 Apr 2011 19:47:21 GMT

Congrats on joining Alliant, i'm a happy customer for going on 2 years now

Re: Alliant CU?

stagefoursurvivor — Tue, 19 Apr 2011 17:40:30 GMT

Thanks. Probably should have asked for VISA CC too but, didn't want to press the issue as a new member.

Re: Alliant CU?

Anonymous — Tue, 19 Apr 2011 17:50:59 GMT

@stagefoursurvivor wrote:
Thanks. Probably should have asked for VISA CC too but, didn't want to press the issue as a new member.

Very savvy. There's a thread on here somewhere (oh, here it is) that shows what Alliant was looking at (FICO scores et al) for approvals - but that's a couple years old. Still good reading, though.

Re: Alliant CU?

stagefoursurvivor — Tue, 19 Apr 2011 19:31:49 GMT

BMU,

Very interesting read, thanks.

Brought up a couple questions:

Does ACU require a minimum EQ score for a checking & savings account? I also signed up for direct deposit

Do they refi a car that's paid off?

Re: Alliant CU?

stagefoursurvivor — Tue, 26 Apr 2011 01:35:42 GMT

WTH?

Got the "Welcome" package today AND a separate letter apologizing being rejected for a checking account due to a chexsystems report. Are they serious? I elected direct deposit but, I need a checking account, too.

Maybe I'll go to PenFed or PSECU instead

Re: Alliant CU?

Anonymous — Tue, 26 Apr 2011 16:08:57 GMT

Well, darn.

It looks like you have your foot in the door with a savings account - so keep that one going.

In the meantime, it's probably a good idea to order your ChexSystem report (if you haven't already) and see what is on it. That'll help you as you move forward - and it'll prevent things like this from blindsiding you - that's never fun.

Please keep us posted!

Re: Alliant CU?

stagefoursurvivor — Tue, 26 Apr 2011 16:34:48 GMT

Do they ever do recons on checking accounts? I really need a checking account, too. I ordered my chex report but, haven't received it yet.

Re: Alliant CU?

visorboy1974 — Tue, 26 Apr 2011 17:05:26 GMT

@stagefoursurvivor wrote:
Do they ever do recons on checking accounts? I really need a checking account, too. I ordered my chex report but, haven't received it yet.

In my experience, they auto-reject if you're on Chex and won't recon. I had to dispute my item on Chex and wait for it to be removed before they'd touch me for checking.