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DCU Approval...Maybe?

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New Contributor

DCU Approval...Maybe?

I just Apped for DCU and message saying Congratulations you have been approved $10k SL...but the message said a DCU representative will be in touch with me.   In touch for what?   Is this a real approval?  Will I need to provide POI?      I got an approval from PenFed last year, but they ended up needing current year taxes which I hadn't done yet.  I supplied taxes but they did another hard pull and I was eventually denied (I think because I had opened up new accounts in the interim).

 

Love to get any experiences and data points with DCU approvals.

 

Thanks!

4/23/2019: EQ8=737(8 INQs) EX8=797 (9) TU vantage=703(14) Utilization = 17%
AAofA 4yr 1 mo, Oldest Account 23yr 5mo, no lates, no derogs, 14months since last account opened, Adverse Action 4/2018 closed 3 BofA accounts and CLD Chase Sapphire, CLD Barclays, Cap1 Plat Mastercard $550, Cap1 World Mastercard $6400, Cap1Venture $20k, Barclays Cashforward $500, Golden1 $10k, Chase Sapphire $2850, DCU $10k, Marvel $1k, BBVA $2800, HSBC $1850, Care Credit $8000 TCL = $79k

3/22/2018: EQ8=733 EX8=740 TU8=730 Utilization = 20%
BofA Platinum $15k, BofA Cash $11k, BofA Travel $15k, Cap1 Plat Mastercard $550, Cap1 World Mastercard $6400, Cap1Venture $20k, Barclays Cashforward $2500, Golden1 $10k, Chase Sapphire $28k, TCL = $108k Total Inquiries = 11 per CRA

Golden1 Auto $50k/53k, Mercedes Benz Fin lease $14k/$16k



10/12/2018: EQ8=662(12 INQs) EX8=673 (11) TU8=667(13) Utilization = 95% (I know I'm paying it off now!)
AAofA 4yr 1 mo, Oldest Account 23yr 5mo, no lates, no derogs

3/22/2018: EQ8=733 EX8=740 TU8=730 Utilization = 20%
BofA Platinum $15k, BofA Cash $11k, BofA Travel $15k, Cap1 Plat Mastercard $550, Cap1 World Mastercard $6400, Cap1Venture $20k, Barclays Cashforward $2500, Golden1 $10k, Chase Sapphire $28k, TCL = $108k Total Inquiries = 11 per CRA

Golden1 Auto $50k/53k, Mercedes Benz Fin lease $14k/$16k


Fico 8 Scores 8/23/2017 EQ= 776 EX = 805 TU= 785 (vantage score)
no derogs Smiley Happy
*BofA Platinum Plus Mastercard $7500, Capital One Rewards $4400, Capital Platinum Mastercard $300, Barclays Cashforward $2500, TCL = $14,700 Usage 2%, Total Inquiries = 3

9/21/2017 Added Cap1Venture $20k, Cap 1 CLI to $6600, TCL = $78,100 usage 4%, Total Inquiries = 6 per CRA

Message 1 of 14
13 REPLIES 13
Established Contributor

Re: DCU Approval...Maybe?

They most likely will require proof of income.

Message 2 of 14
Established Contributor

Re: DCU Approval...Maybe?

I got the same message when I was approved and they required POI
Message 3 of 14
Valued Contributor

Re: DCU Approval...Maybe?

They always ask for POI

Message 4 of 14
Regular Contributor

Re: DCU Approval...Maybe?


@peghedewrote:

They always ask for POI



No. They don’t. Got mine without POI. Maybe it’s because I bank with them. 

They just called me and asked questions about my CR. I ended up getting 1.5k more than I asked for(7k). 


Message 5 of 14
Established Contributor

Re: DCU Approval...Maybe?

Any update?

Message 6 of 14
Senior Contributor

Re: DCU Approval...Maybe?

 


@lupoliwrote:

@peghedewrote:

They always ask for POI



No. They don’t. Got mine without POI. Maybe it’s because I bank with them. 

They just called me and asked questions about my CR. I ended up getting 1.5k more than I asked for(7k). 


One can pretty much expect a request from them for POI the first time one applies for any kind of loan, even if its a secured loan.

(8/2019)
FICO 8 (EX) 793 (TU) 808 (EQ) 794
FICO 9 (EX) 822 (TU) 827 (EQ) 844

$800K+ club
Message 7 of 14
Regular Contributor

Re: DCU Approval...Maybe?

Same for me got approved for a refinance and cc they rep said he was sending a email to upload some docs ..did that and it also said I had to become a member filed that out got a message saying Chexsystem was frozen 🤷🏽‍♀️ Idk what the hell that is finally spoke to someone waiting on a pin to be mailed In order to unfreeze it so I can proceed🤷🏽‍♀️
 photo deltacardimage.jpgImage result for penfed cash rewardsImage result for paypal creditImage result for discover credit card
BK-9/17
BK Discharge- 1/18
Scores before discharge -EQ-679 , Trans-525, EX-535
After Discharge Scores EQ-620, Trans-573, EX-569
About a month after Discharge Scores
EQ-657,Trans-585, EXP- 622 Smiley Happy
Current Scores EQ-647, Trans-661, EXP-707
Message 8 of 14
New Contributor

Re: DCU Approval...Maybe?

I got an approval email today.  It said I needed to become a member of DCU to proceed.  It said that on the screen when I applied, but I didn't bother at the time.   I called in to become a memeber.  CSR said I had to apply online, but asked for my application number to research.  He came back and said I only needed to become a member and that no additional documentation would be required.    

 

I went online and joined after the call.  Just had to make a $10 donation to a Remeber the Schools charity and deposit $5 to open a savings account.   Message said I will get response in 24hrs.

 

I'm still skeptical, but we'll see.   I'll let you guys know what happens.  Fingers crossed!

4/23/2019: EQ8=737(8 INQs) EX8=797 (9) TU vantage=703(14) Utilization = 17%
AAofA 4yr 1 mo, Oldest Account 23yr 5mo, no lates, no derogs, 14months since last account opened, Adverse Action 4/2018 closed 3 BofA accounts and CLD Chase Sapphire, CLD Barclays, Cap1 Plat Mastercard $550, Cap1 World Mastercard $6400, Cap1Venture $20k, Barclays Cashforward $500, Golden1 $10k, Chase Sapphire $2850, DCU $10k, Marvel $1k, BBVA $2800, HSBC $1850, Care Credit $8000 TCL = $79k

3/22/2018: EQ8=733 EX8=740 TU8=730 Utilization = 20%
BofA Platinum $15k, BofA Cash $11k, BofA Travel $15k, Cap1 Plat Mastercard $550, Cap1 World Mastercard $6400, Cap1Venture $20k, Barclays Cashforward $2500, Golden1 $10k, Chase Sapphire $28k, TCL = $108k Total Inquiries = 11 per CRA

Golden1 Auto $50k/53k, Mercedes Benz Fin lease $14k/$16k



10/12/2018: EQ8=662(12 INQs) EX8=673 (11) TU8=667(13) Utilization = 95% (I know I'm paying it off now!)
AAofA 4yr 1 mo, Oldest Account 23yr 5mo, no lates, no derogs

3/22/2018: EQ8=733 EX8=740 TU8=730 Utilization = 20%
BofA Platinum $15k, BofA Cash $11k, BofA Travel $15k, Cap1 Plat Mastercard $550, Cap1 World Mastercard $6400, Cap1Venture $20k, Barclays Cashforward $2500, Golden1 $10k, Chase Sapphire $28k, TCL = $108k Total Inquiries = 11 per CRA

Golden1 Auto $50k/53k, Mercedes Benz Fin lease $14k/$16k


Fico 8 Scores 8/23/2017 EQ= 776 EX = 805 TU= 785 (vantage score)
no derogs Smiley Happy
*BofA Platinum Plus Mastercard $7500, Capital One Rewards $4400, Capital Platinum Mastercard $300, Barclays Cashforward $2500, TCL = $14,700 Usage 2%, Total Inquiries = 3

9/21/2017 Added Cap1Venture $20k, Cap 1 CLI to $6600, TCL = $78,100 usage 4%, Total Inquiries = 6 per CRA

Message 9 of 14
New Contributor

Re: DCU Approval...Maybe?

This morning at 7am I got this email from the CSR:

65musclecar,
Your membership is opened and the credit card has been booked as well.

You will receive a membership kit in the mail and the DCU Platinum Visa Card in 7-10 days.

***********
BIG SMILEY FACE

This puts the new credit from my little spring App Spree at $33k and my TCL over $150k!


4/23/2019: EQ8=737(8 INQs) EX8=797 (9) TU vantage=703(14) Utilization = 17%
AAofA 4yr 1 mo, Oldest Account 23yr 5mo, no lates, no derogs, 14months since last account opened, Adverse Action 4/2018 closed 3 BofA accounts and CLD Chase Sapphire, CLD Barclays, Cap1 Plat Mastercard $550, Cap1 World Mastercard $6400, Cap1Venture $20k, Barclays Cashforward $500, Golden1 $10k, Chase Sapphire $2850, DCU $10k, Marvel $1k, BBVA $2800, HSBC $1850, Care Credit $8000 TCL = $79k

3/22/2018: EQ8=733 EX8=740 TU8=730 Utilization = 20%
BofA Platinum $15k, BofA Cash $11k, BofA Travel $15k, Cap1 Plat Mastercard $550, Cap1 World Mastercard $6400, Cap1Venture $20k, Barclays Cashforward $2500, Golden1 $10k, Chase Sapphire $28k, TCL = $108k Total Inquiries = 11 per CRA

Golden1 Auto $50k/53k, Mercedes Benz Fin lease $14k/$16k



10/12/2018: EQ8=662(12 INQs) EX8=673 (11) TU8=667(13) Utilization = 95% (I know I'm paying it off now!)
AAofA 4yr 1 mo, Oldest Account 23yr 5mo, no lates, no derogs

3/22/2018: EQ8=733 EX8=740 TU8=730 Utilization = 20%
BofA Platinum $15k, BofA Cash $11k, BofA Travel $15k, Cap1 Plat Mastercard $550, Cap1 World Mastercard $6400, Cap1Venture $20k, Barclays Cashforward $2500, Golden1 $10k, Chase Sapphire $28k, TCL = $108k Total Inquiries = 11 per CRA

Golden1 Auto $50k/53k, Mercedes Benz Fin lease $14k/$16k


Fico 8 Scores 8/23/2017 EQ= 776 EX = 805 TU= 785 (vantage score)
no derogs Smiley Happy
*BofA Platinum Plus Mastercard $7500, Capital One Rewards $4400, Capital Platinum Mastercard $300, Barclays Cashforward $2500, TCL = $14,700 Usage 2%, Total Inquiries = 3

9/21/2017 Added Cap1Venture $20k, Cap 1 CLI to $6600, TCL = $78,100 usage 4%, Total Inquiries = 6 per CRA

Message 10 of 14
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