DCU auto loan approved with no hard pull

[Anonymous]

I became a DCU member about 6 months ago. I had a CH13 still showing on my reports when I applied for membership and my scores were all around 680. My CH13 dropped from my reports in Feb 15 and my scores went up about 100 points.

I got a message on my inbox about a month later that stated that I was pre approved for an auto loan of up to 40K. I clicked "accept" and it only asked for my monthly income. Two days later, I was told that I only needed to submit a purchase order for my loan to finalize. The dealer sent the purchase order and DCU sent me a certified check for 40K the next day. DCU didn't even ask for pay stubs. I have no hard pulls from DCU on any of the credit bureaus and it's been a month already.

[Anonymous]

Sounds fishy.

[had2978]

I got the same pre approval but I did a cash out refinance. The csr i spoke with when i did it said it's a soft pull on your report and they didn't ask me pays stubs either. Just that I needed to do direct deposit within 90 days or my rate will go up. Sign edocs and no hard pull either. A month as well

[RonM21]

That is god, if it remains that way. If it's me, I'll still check up on it for a while to make sure nothing shows up.

[lincar66]

When you get the pre approvals I don't think they pull your credit.

Let's not forget just because they code it as a sp doesn't mean they can't see almost everything. They give you a fico monthly THEY SEE YOU