Which credit bureau does Alliant Credit Union pull... - myFICO® Forums

MichaelMyer · ‎09-13-2023

I'd like to join and apply for one of their credit products. Any idea which bureau they use for memebership and is it the same pull for credit approval?

Priory_Man · ‎09-13-2023

I believe it is TU, but like any business they can pull 1 or all 3

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Total Revolving Credit: $300,000 UTIL: <1%
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RLFLOWS · ‎09-13-2023

TransUnion

CreditCuriosity · ‎09-13-2023

TU on most scenarios

MichaelMyer · ‎09-13-2023

Thanks all. Do you know if it's a hard or soft pull for membership?

SouthJamaica · ‎09-14-2023

@MichaelMyer wrote:
Thanks all. Do you know if it's a hard or soft pull for membership?

Pretty sure it's SP.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

CreditCuriosity · ‎09-14-2023

@SouthJamaica wrote:
@MichaelMyer wrote:
Thanks all. Do you know if it's a hard or soft pull for membership?
Pretty sure it's SP.

yep sp

Jeffster1 · ‎09-16-2023

Yup...Alliant membership is a SP.

0% utilization
FICO 8 EX 815 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 14K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo Autograph Visa 30K I Citi Costco Anywhere Visa 10.2K I BMO Harris Cash Back MC 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 15K I Citi Thank You MC 10K I Bread Financial American Express 20.5K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney MC 10K I Synchrony Premier MC 10K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back MC 20K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K I USAA Cash Rewards Plus American Express 4K I Apple Card 6K

nwa479 · ‎09-16-2023

I opened a savings account with Alliant this week and it was a soft pull. Depositing 100/month for 12 months to get the sub for $100. Not sure yet if I'll ever use get one of their credit cards or checking.

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