@Anonymous wrote:
Probably will get denied, I don't know what my pinnacle is at, but if it's 30-40 points lower than FICO 08 I am screwed. My current Fico 08 is 698
Think positive and don't assume a denial. It well may be a manual review. Notice I said YMMV and Pinnacle is often 20 or more points below a FICO score, but not always. There is individual variation within scoring systems, certainly. 
Hope for the best, and I wish you the best!
Alliant sometimes just requires a lot of patience, you will be ok! A number of people have been reporting SL's of 2k-4k more recently, although YMMV. Inquiries and new accounts can certainly be a factor as well, as Alliant can be sensitive to both.
Alliant specifically told me that they consider 3 or more inquiries in a 12 month period to be a lot. That doesn't mean they will not accept you, but it's something to keep in mind as you wish to submit the strongest profile in applying.
If they turn down your application, perhaps wait 6 months, ensure you have no other recent inquiries or recent new accounts, and try again by requesting a lower SL when you apply.
These cards can grow and some members have it at 10k or 12k now, but a number of the SL's seem much lower at 2k-4k.
I'm not thrilled with their intiial lower starting limits either , as all of my cards have much higher limits, but trying to keep my patience and eventually it will grow.
Credit unions are often more conservative than banks, and remember that Alliant does not often open the purse strings wide as does Navy Federal (wish they did!). Good luck!
I wish you luck with Alliant!!!!!!!!
Let us know the outcome
@Anonymous wrote:The challenging thing with Alliant is that they use Pinnacle 2.0 for decisions, yet they never provide you with that score at all. The score provided to the member is a Vantage 3.0 score. Neither of these is commonly used by lenders, and both often tend to be quite a bit lower than regular FICO scores. I recall Creditaddict saying that his Vantage score was 60 points below his regular FICO score. Mine are always quite a bit lower than FICO as well. YMMV, of course.
For most consumers with credit problems I would suggest Vantage is actually higher. My VS 3 scores are around 780-790 depending on particular state for EQ/EX, TU is the outlier which is currently 670ish as I get absolutely hammered on my profile (with the one additional late there from 10/15) when I take an inquiry. Interestingly I've had a high score for years there, and my FICO scores aren't anywhere close to that in my siggy, even when my last tax lien came off EX with my old lates there. People who app more than normal, probably get slapped harder too.
Definitely YMMV.
Nextgen sucks though, and for most people on this forum NG probably hates them (retail tradelines are broken out instead of what's seen in FICO 04/8/9).
