BECU IS THE BEST CU_CLI(13.5K Approved), Personal Loan(25K Approved) & PLC(10K Approved)

[bachi607]

I am so excited to share that BECU has approved 3 products with single TU FICO 8 pull( 701 was the score at the time of Pull with 10 IQ already on it with 46% utilization).

They approved

Credit Line Increase from $6000 to $13500K

Personal Loan of $25000 with 9.9% Rate

Personal Line of Credit for $10000 with 12% Rate

WoW WoW WoW!!! I cant express my gratitue to BECU, they have been helping me a lot lately and there was never a dull moment from them, customer reps are super helpful and Underwriters are not so tough as long as you have provided POI.

TU FICO 8: 701

Income: $140K

Additional Docs asked: SSN, last 2 yrs W2 & Tax Filing 1040, last 6 months paystubs

[Credit4Growth]

Thats a duezy, they seem great to you!
Also, that seems like a lot of docs to submit but for all 3 approvals and only a single HP, I might be willing to submit the same. If I may ask, why do you think they ask for the actual tax filings?

🍻 Congratulations!

[bachi607]

Thank you, I have no Idea, I called them and asked whether they really meant

tax filings and they said specifically 1040, didnt enquire about reasons around it though 😊, I am quite happy with BECU, I have 2 CC with them and other card has 6500$ and one has $13500 - Highest so far on my list

[bachi607]

Please note that you need to call BECU customer rep for additional producta to use same HP from TU, if you submit individual applications then its another HP - Thanks

[Janneman]

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@bachi607 wrote:

Please note that you need to call BECU customer rep for additional producta to use same HP from TU, if you submit individual applications then its another HP - Thanks

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Did u apply for all these products at the same time or a few days gap in between? If so, which one did u apply for first? For credit card, were you asked for any POI document?

[bachi607]

I first applied for CLI online and its conditionality approved, when Incalled customer rep they said you can use same HP and apply for PL then I said go ahead and then I read in Fico forum that we can apply for PLC also so called again and applied so if you just apply CLI may be they just need Paystubs , as I applied for multiple products they asked additional docs, good luck!

[Janneman]

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@bachi607 wrote:

I first applied for CLI online and its conditionality approved, when Incalled customer rep they said you can use same HP and apply for PL then I said go ahead and then I read in Fico forum that we can apply for PLC also so called again and applied so if you just apply CLI may be they just need Paystubs , as I applied for multiple products they asked additional docs, good luck!

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Btw, if you could remember, were u asked for POI when you initially applied for a credit card or opened a checking account? Is joining this CU sp/hp? If you still remember...tnx

[bachi607]

Joining a CU may or may not ask for POI but its always good to have them handy, Its been an year with BECU and I don't really recall!! Based on my experience some Credit Unions ask hell lot of docs like utility bill, employment letter, DL, SSN, W2 forms, bank statements, paystubs etc. including your phone bill to confirm no is associated with you LOL!! when i opened my acc with BECU I applied CC and approved for $12000 and called them to split in 2 cards as 1 has low lifetime BT and other has 0% APR with rewards (Rep did 2 Credit cards each with 6000$ SL) and Auto loan with 3% rate.

at that time

TU FICO 8 was 695ish

80% Card Utilization

85K income

[Janneman]

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@bachi607 wrote:

Joining a CU may or may not ask for POI but its always good to have them handy, Its been an year with BECU and I don't really recall!! Based on my experience some Credit Unions ask hell lot of docs like utility bill, employment letter, DL, SSN, W2 forms, bank statements, paystubs etc. including your phone bill to confirm no is associated with you LOL!! when i opened my acc with BECU I applied CC and approved for $12000 and called them to split in 2 cards as 1 has low lifetime BT and other has 0% APR with rewards (Rep did 2 Credit cards each with 6000$ SL) and Auto loan with 3% rate.

at that time

TU FICO 8 was 695ish

80% Card Utilization

85K income

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I guess they could ask for my blood type and DNA as well...

[bachi607]

Good one 😀.. Synchrony Bank even asked for sharing location and took live face video of 30sec along with front n rear DL scan copy (all must be done in single flow) LOL but its worth atleast they approved instantly for $5000!

Petal asked for Phone Bill that should have my current residence address, my name and Number! Crazy!!