Alliant Credit Union - Data Points

[Anonymous]

They did not ask for income verification for my CC or auto loan.

[baller4life]

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@Gmood1 wrote:
Thanks for taking the time! I just signed up with them last month. I also did shared secured loan. It was reported on the 31st of May And showed up on the reports around the 4th of June.

What's the time frame on these quarterly soft pulls?
When is the next one due to hit? Anyone know

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Their shared secured loan is awesome for those that do not have any installment loans reporting.

[Gmood1]

I had two installments reporting. I anticipated a drop when I traded in one auto and bought two.
Doing the shared loan helped my scores not to plummet. I only loss 7 points on EQ and 3 on TU.
Those should return when the secured loan reports below 9% next month. That's atleast what I'm hoping. Lol

Right now including the secured loan. I have 4 installments reporting. My Advantage scores went through the roof when it hit and I closed 5 cards.

[baller4life]

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@CreditMagic7 wrote:

Appreciate sharing your own Alliant CU experience.

I'll be gathering up some useful details to contribute to this thread just as soon as everything settles down on this end.

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We are anxiously awaiting the deets on your awesome approval!! How many inqs and new accounts did you have? Did you receive the coveted sign up bonus?

[CreditMagic7]

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@baller4life wrote:

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@CreditMagic7 wrote:

Appreciate sharing your own Alliant CU experience.

I'll be gathering up some useful details to contribute to this thread just as soon as everything settles down on this end.

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We are anxiously awaiting the deets on your awesome approval!! How many inqs and new accounts did you have? Did you receive the coveted sign up bonus?

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I'm anxiously waiting to get the PenFed try complete today too.

This is the kind of busy that keeps us on our toes LoL

INQ's are i had only 6 in 12 months before Citi, HNB, then PenFed so i would have to say for accuracy that 9 were displayed at the time of EQ pull.

New accounts would be 5/3 and Citi which are the only new ones reported so far.

More and full details forthcoming after i get through the PenFed business sometime today i hope.

[RonM21]

Thanks for sharing. I have Alliant as of a couple months ago, and they are pretty nice and easy to work with....imho

[baller4life]

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@RM21 wrote:
Thanks for sharing. I have Alliant as of a couple months ago, and they are pretty nice and easy to work with....imho

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Please share your approval stats to help others.

[Anonymous]

Applied for Alliant CU CC a couple of days ago and received the following email:

Dear Applicant:

I am following up on the application you submitted and wanted to let you know that we were unable to approve your Visa request at this time.  You will receive a letter within 7 to 10 business days regarding the denial reasons which includes the opportunity to receive a free credit report.

I had recently been approved by PenFed and DCU (love those CUs!), so I'm not sure if the denial was for too many inquiries/new accounts?  They pulled EQ and I have a 735 FICO 8 with them.

[baller4life]

Wow jim858 please update us when you receive letter.

[RonM21]

I applied for the Visa Platinum in early May and I think they asked the usual income question, but I did not need Proof of income. I had a 698 Fico 8 score, and 2 inquiries at the time. They pulled EQ. I finished my application late evening and the next day in the afternoon, they tried calling, but sent me an approval email with a $15K limit, 12.49% APR, with zero BT fee. Btw, I actually have a negative on my report from a paid 2010 car loan. A few late payments due to Santander taking over the loan in it's last year.

I hope this info is helpful for anyone thinking about apping.