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Alliant CU Approved for $30,000

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Contributor

Re: Alliant CU Approved for $30,000

Congrats.  Alliant is the one I'd leave the garden for but I'm just waiting for my AAoA to go up before I apply.   I heard they are very conservative and inquiry sensitive.  

AMEX Blue Cash | Capital One Platinum | OverStock CC | Quiksilver | Walmart | VS Angel Card | 24k Student Loans |

Starting Scores: 4/1/2017 EQ: 623 TU: 644 EX: 661
10/30/2017 EQ: 641 TU: 681 EX: 695
Goal: 720 EQ-TU-EX

Gardening till April 2018!


Message 11 of 22
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Super Contributor

Re: Alliant CU Approved for $30,000

Now that is one fine CL! Big congratulations!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 12 of 22
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Established Contributor

Re: Alliant CU Approved for $30,000

did they do a chexsys for mbr-ship & Transunion for credit card. what is fico9

Message 13 of 22
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Valued Contributor

Re: Alliant CU Approved for $30,000

TU FICO 9 tip was the key after reading the post i applied instant approved 20k with 11.99% APR thanks for reminding me OP i almost forgot Alliant pulls fico 9Smiley Winkprocess was little odd you have to accept the loan than the 4 pages options and than it goes to lending to process and than the application vanished from the credit card application status menu Smiley Surprised i made screen shot for the record as always

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Message 14 of 22
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Valued Contributor

Re: Alliant CU Approved for $30,000

Congrats! That's an amazing SL!

| TU 720
| NFCU Auto Loan | LendingPoint Loan |
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Message 15 of 22
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Valued Contributor

Re: Alliant CU Approved for $30,000

Congrats Mahraja on the approval. Did they require POI?

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Nov 2020 (TU 774) (EQ 771) (EXP 748)
$600k+ Tradelines in progress
Gardening until at least May 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 16 of 22
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Established Contributor

Re: Alliant CU Approved for $30,000


@DoctorLoomis wrote:

I applied mainly because I heard Alliant pulls TU FICO 9....and my score is 790. Approved for $30,000.....


Congrats Doctor!  My FICO 9 socre on their site is 695.  I assume it is low for their conservative standards.

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EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 17 of 22
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Valued Contributor

Re: Alliant CU Approved for $30,000

@bruisedcredit Thank you so much no POI the card is already showing on the dashboard along with savings account i have with them i am surprised only 20k my fico 9 is almost as high as OP but i have way more new high limit accounts so that could be the reason for the starting line...they are conservative i think 20k is more than enough

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Message 18 of 22
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Valued Contributor

Re: Alliant CU Approved for $30,000

That's awesome Mahraja very quick process. About how many inquries on TU do you have? I know  their very sensitive with them so kinda debating on apping.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores Nov 2020 (TU 774) (EQ 771) (EXP 748)
$600k+ Tradelines in progress
Gardening until at least May 2021
“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)
Message 19 of 22
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Valued Contributor

Re: Alliant CU Approved for $30,000

@bruisecredit 8 Pulls total in which 6 were 6 months old and 2 recent ones on top of that many new accounts excluding IHG which is yet to report if you have 750 fico 9 and utilization below 3% go for it its their high end card the one with the AF

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Message 20 of 22
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