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RBFCU/Alliant approval range?


RBFCU/Alliant approval range?

Hi All, 


Just opened up membership with RBFCU/Alliant hoping to get their CCs at some point.  I am recovering from Ch7, been a year and scores hovering around 650ish on the 3 main bureaus.  Not in any hurry on applying, just wondering if anyone current members have experience/data points on scores they got approved for and how long would you wait before appling with a Ch7?


As always, thanks!


Message 1 of 3
Regular Contributor

Re: RBFCU/Alliant approval range?

I was denied both RBFCU via TU 702 with 30+ inquiries tho

Alliant denied as well, they pulled EQ at 649 about 40+

Only other Credit Union I applied in that time was NFCU approved for $10k Flag after having secured 2 months.

Approved ETFCU for prime plus $5k . they pulled TU. I applied same day as RBFCU.

Not sure if any helps since I have high inquiries and new accounts but figure I share.
ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k


Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 2 of 3

Re: RBFCU/Alliant approval range?

I am still in the 640 range, sitting on 10 inquiries on TU/EX and 6 on EQ so letting things marinate before I even try for anything else... thought mine was very high Smiley Happy   Maybe if I ever hit 720 again (my highest before my fiasco in 2017) I will give it a go.  


Any others?

Message 3 of 3
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