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SECU to apply or wait?

snickerpedia
Frequent Contributor

Re: SECU to apply or wait?

@ktl72455 @ so what number did you end up at?!? Goodluck


TU - 785
EX - 771
EQ - 779


Message 51 of 58
RootDet
Frequent Contributor

Re: SECU to apply or wait?

Am i reading this right that SECU is a HP on EQ for loan products?



Message 52 of 58
ocheosa
Established Contributor

Re: SECU to apply or wait?


@RootDet wrote:

Am i reading this right that SECU is a HP on EQ for loan products?


Yes, EQ-5

[6/21] Scores 8/9: 700-800s. Util: 1-2%. Inq/12: EQ 6, EX 8, TU 1. AAoA=5y, AoOA=34y, AoYA=6m.
Personal TCL: $286K. Affinity FCU: Cash Rewards VS, PLOC. AOD FCU VS. BB&T Bright. BBVA: ClearPoints (x2), Rewards VS. Cap One: QS MC, QS Visa, SavorOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cashRewards VS, Plat MC, Plat Visa, CLOC. SECU MD VS. WF Propel Amex. Misc: Overstock, Target.

Business TCL: $24K. 2021-22 Project: Business Profile.
AmEx: Amazon Prime, Lowe's. FNBO Evergreen. Staples LOC. Quill Net30. Uline. Office Depot.
Message 53 of 58
E_Fizzy
Established Member

Re: SECU to apply or wait?

Thanks @Gmood1.  I wonder if a SECU CLI would be a hard or soft pull?

Message 54 of 58
RootDet
Frequent Contributor

Re: SECU to apply or wait?

I guess i am not worthy at SECU either. They gave me the same party line as NASA and AOD. too much revolving credit available, It got sent for a manual review and I finally heard back from them. 

 

 



Message 55 of 58
RootDet
Frequent Contributor

Re: SECU to apply or wait?

the cli is the same app apparently, so I bet you it is a HP. 



Message 56 of 58
Gmood1
Community Leader
Super Contributor

Re: SECU to apply or wait?

@E_Fizzy I'd assume a HP.

 

Sorry for your denial @RootDet .

Do you have a mortgage?

Just curious as to what may be giving them pause. 

Your available credit doesn't seem massively high. 

Message 57 of 58
RootDet
Frequent Contributor

Re: SECU to apply or wait?

Nope. The only thing reporting would have been a $6k CC balance (US Bank is SLOOOOOOW), and a personal loan for $500/mo, which is actually paid off but not reflected yet, and student loans with in-school/national deferment in their own world that pops between open and closed like it has a split personality but no payment is reported as due. 

 

The reported DTI by my math is around 6%. 

 

I just think I keep coming late to the party

 



Message 58 of 58
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