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DCU

Regular Contributor

DCU

So, i read through all the threads about DCU and what i understood is that there are two hard pulls to eq. 1 is regular fico and the other the mortgage score 5. I will purchase my 3b in a few days once my cards report to find out that score. I also understood that if you cant get a checking account with them then you cant get an auto loan. So i applied for the checking first a few hours ago. Only thing about that is it wouldnt let me input my address( i have this issue a lot) so i entered my PO Box. It took that. And then asked me security questions and then asked me to send proof like DL, Utility bill, and social. My DL etc have my physical address on it not my po box so i pray i dont get denied. I do have a question though. Why do they hard pull for a checking account to become a member? I have never in a million years heard anything of the such. I also want to make sure it isnt a scam or bad company. I mean noone can be worse than santander but so far they are legit. I read everyones threads with good experiences but im a bit scared. No face to face or contact is a bit frightening. Am i worried for nothing?




Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 1 of 43
42 REPLIES
Frequent Contributor

Re: DCU

DCU is a real bank here in New England. They have multiple locations in Mass and New Hampshire. The company I work for is on their membership listing.

I hope this helps.

6/5/18 EQ-775, TU-778, EX-771
Last HP - 2/27/18 - Gardening as long as possible
Message 2 of 43
Regular Contributor

Re: DCU

Thank you for your response. Definitely puts me at ease.



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 3 of 43
Regular Contributor

Re: DCU

I got approved for the checking. I will apply for the auto loan today 🙃



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 4 of 43
Regular Contributor

Re: DCU


@Newbie2018wrote:
I got approved for the checking. I will apply for the auto loan today 🙃

Congrats!

 

Can you add some datapoints when you receive your decision please; Scores, AAoA, baddies, etc... I am looking to app with DCU and NFCU in April and any info would be greatly appreciated.

Rebuilding since 1/18: NavyFed CashRewards $3700 | Cap1 ̶P̶l̶a̶t̶ QuickSilver $750 ($300 SL) | Credit1 $450 ($300 SL) | Express $250 | NavCheck $10K

FICO 4/18: EX 686 | TU 694 | EQ 692
Message 5 of 43
Regular Contributor

Re: DCU

I sure will. I will say my scores right now just fico8 are
Ex 631
EQ 631 (just gained a few points today haven't checked)
TU 620

No hard pull yet from DCU
I'll let you know when approved.
I have 2 collections on my EQ and 1 paid charge off. Utilization for CC is at 26% overall total. None of my balances are over 30% individually.



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 6 of 43
Regular Contributor

Re: DCU


@Newbie2018wrote:
I sure will. I will say my scores right now just fico8 are
Ex 631
EQ 631 (just gained a few points today haven't checked)
TU 620

No hard pull yet from DCU
I'll let you know when approved.
I have 2 collections on my EQ and 1 paid charge off. Utilization for CC is at 26% overall total. None of my balances are over 30% individually.

Thanks a lot that def helps...

Rebuilding since 1/18: NavyFed CashRewards $3700 | Cap1 ̶P̶l̶a̶t̶ QuickSilver $750 ($300 SL) | Credit1 $450 ($300 SL) | Express $250 | NavCheck $10K

FICO 4/18: EX 686 | TU 694 | EQ 692
Message 7 of 43
Regular Contributor

Re: DCU

My online account isn't working anyone ever have this issue? I have my membership number just not the correct password I guess. I've tried resetting I and it won't work. And I cannot get an answer from calling the phone number. Help please! I hope I don't have continuous issues with them. I'll try not to over think lol



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 8 of 43
Established Contributor

Re: DCU

U won't be able to activate your online account until u get your wecome letter in the mail it has a Pin number u must use to activate account. DCU stopped doing HPs a while ago for membership u should only see one for the auto loan. I would apply for the loan over the phone and the Rep will tell u right there if the computer pre approved u or not and if need be they can call the UW while u are on the phone.

Message 9 of 43
Regular Contributor

Re: DCU

I had already submitted my application for auto loan. How do I get in touch with them now?



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



quot;>



Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 10 of 43