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SECU to apply or wait?

ktl72455
Valued Contributor

SECU to apply or wait?

I donated, got my membership, set up my online account. 

EQ08 is 805  not sure EQ05

I goofed and let NF hit with a blance of 7,200.00  I paid but missed the cut off window by 15 min. ( Ughh)

UTL over all is 29% now

New accounts have not hit yet , just the Inq from Langley

I paid off my self lender, not reported yet but will soon and it will drop my score

Im torn of apply now or just wait. I know my score will drop from new accounts. 

Input?

 

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 1 of 58
57 REPLIES 57
Gmood1
Community Leader
Super Contributor

Re: SECU to apply or wait?

Well, as long as the balance reporting is in line with DTI. You may be just fine.

New accounts normally have more of an affect on credit card apps IME. 

 

This is one of those, you'll know within a few seconds of applying what the outcome is.

You are either pre-approved or you are denied.

 

LO's will go with whatever the computer spits out.

They'll only call to make sure you were the one who applied and not a fraudster. If you are pre-approved.

 

They don't seem too concerned with new accounts. I'm the poster boy for those.

I know of only one person that was denied for escalating debt by SECU.

The others were either approved or denied because membership didn't go through.

 

SECUs loan department reminds me of BECU but so does the fraud department.😂😂😂

 

Very easy going CU loan department.

Did you get a CC with Langley?

Langley is more likely to deny than SECU is IMHO.

 

 

Message 2 of 58
ktl72455
Valued Contributor

Re: SECU to apply or wait?

I got one with Langley , 6,800.00 on 7/8/2020 havent got my phone call yet :-) 

 

langley approved.jpg

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 3 of 58
Gmood1
Community Leader
Super Contributor

Re: SECU to apply or wait?

Yeah, if you got in with Langley. SECU should be a breeze!!😆

 

I've been denied by Langley at least twice I think.

 

Message 4 of 58
ktl72455
Valued Contributor

Re: SECU to apply or wait?

YOUR APPLICATION HAS BEEN RECEIVED.

Application Date: 7/9/2020
Application ID: 0000734929

If we require further information, we will contact you to review your application in order to finalize your loan request. Otherwise, you can expect to hear from us in about a week, by mail.

In the meantime, if you would like to contact us regarding this application, please feel free to call 800-879-7328 during regular business hours.

Thank you for your application. We look forward to the opportunity to serve you.

SECU Lending

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 5 of 58
Dumbee
Established Contributor

Re: SECU to apply or wait?


@ktl72455 wrote:
YOUR APPLICATION HAS BEEN RECEIVED.

Application Date: 7/9/2020
Application ID: 0000734929

If we require further information, we will contact you to review your application in order to finalize your loan request. Otherwise, you can expect to hear from us in about a week, by mail.

In the meantime, if you would like to contact us regarding this application, please feel free to call 800-879-7328 during regular business hours.

Thank you for your application. We look forward to the opportunity to serve you.

SECU Lending


Pretty sure this is a denial

 

Try re-applying with a lower SL until it gets approved, it will use the same pull


Smiley Embarassed
Personal/40.15K Biz/23K POT/17K
Message 6 of 58
CreditCuriosity
Moderator

Re: SECU to apply or wait?


@ktl72455 wrote:
YOUR APPLICATION HAS BEEN RECEIVED.

Application Date: 7/9/2020
Application ID: 0000734929

If we require further information, we will contact you to review your application in order to finalize your loan request. Otherwise, you can expect to hear from us in about a week, by mail.

In the meantime, if you would like to contact us regarding this application, please feel free to call 800-879-7328 during regular business hours.

Thank you for your application. We look forward to the opportunity to serve you.

SECU Lending


Hmm mine was like what @Gmood1 stated instant and not above message.  Can call them certainly or possibly what above posted stated although you think they would counter?  What is your DTI currently with the card that posted the balance, etc?

Message 7 of 58
M_Smart007
Epic Contributor

Re: SECU to apply or wait?


@Gmood1 wrote:

Yeah, if you got in with Langley. SECU should be a breeze!!😆

 

I've been denied by Langley at least twice I think.

 


3rd time the charm?

Message 8 of 58
Gmood1
Community Leader
Super Contributor

Re: SECU to apply or wait?

@M_Smart007 

I'll close them out this time around. lol

@ktl72455 

Lower your asking amount and try again.

Message 9 of 58
CreditCuriosity
Moderator

Re: SECU to apply or wait?

Shooting for this..

 

Screen Shot 2020-05-15 at 11.25.10 AM.png

Message 10 of 58
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