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Alliant Signature Approval $20K

Jlgab345
Established Contributor

Alliant Signature Approval $20K

Finally pulled the trigger on Alliant Signature. Ready to upgrade my 2% cash back card to 3%. App went to pending, but I immediately saw the “price of credit” notice in my docs, so I figured approved. Got decision email within 5 min, Approved!

Got all docs signed & passport photo uploaded within a couple min. Final loan docs delivered 10 min later.

TU score 755, with 3 HP’s in last 6 mo & 8 total in 12. Income $225K, Util 8%
RBFCU Premier $25K, Sam’s Club MC $25K, Citi Exec WEMC $34K, Alliant Signature $20K, SSFCU $20K, Cap1 Venture $20K, Employer CU LOC $20K, Navy GoRewards $18K, 2nd NFCU Plat $14.7K, Citi Simplicity $18.2K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $12.7K, SMG $10K, PenFed Promise $12K, Total Rewards $8.5K, Discover It $2.5K, Discover It $2K, Cap One QS1 $850, Overstock $32K
Message 1 of 13
12 REPLIES 12
Nova5041
Frequent Contributor

Re: Alliant Signature Approval $20K

Congrats on the Approval and excellent SL, definitely looking forward to getting that card in a couple of years.


BK 7 Discharged: 05/30/2018
Fico Scores after Discharge: Experian-552 TransUnion- 490 Equifax- 571
Message 2 of 13
Viva-LV
Frequent Contributor

Re: Alliant Signature Approval $20K

Congrats and enjoy.  I've had great service from Alliant.  HNY!

Am Ex | BOA | Chase | Citi | Disc | PenFed | USB | 400K Club
Message 3 of 13
rprisco
Regular Contributor

Re: Alliant Signature Approval $20K

OP, Congrats on approval, you mentioned having 8 inquiries last 12 mo and 3 within last 6 mo. Would you share how many of them resulted in new accounts?
Current Scores as of 8/18/17 all FICO 8 EQ: 695 EX: 673 *fico2 699 TU:645 bio has more.
Message 4 of 13
19eighty5
Senior Contributor

Re: Alliant Signature Approval $20K

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 5 of 13
kugel
Valued Contributor

Re: Alliant Signature Approval $20K

Are they pulling Equifax?
Do they ask for proof of income?
Message 6 of 13
SinjCeridan
Regular Contributor

Re: Alliant Signature Approval $20K

Congrats on the approval. Got denied due to too many inquiries. Called them up in attempt to fish for baseline numbers of inq's and new accounts they consider too many. The lady couldn't keep from chuckling when she said far less than what I had. I was literally LoL on both 😁
Message 7 of 13
Jlgab345
Established Contributor

Re: Alliant Signature Approval $20K

They pulled TU. Of the 6 mo inquiries on TU, only 1 resulted in a new account. Of additional 12 mo inq, 2 were new revolvers, one an auto loan.

I did add 2 other new accounts in last 6 mo (citi) that didn’t HP TU.
RBFCU Premier $25K, Sam’s Club MC $25K, Citi Exec WEMC $34K, Alliant Signature $20K, SSFCU $20K, Cap1 Venture $20K, Employer CU LOC $20K, Navy GoRewards $18K, 2nd NFCU Plat $14.7K, Citi Simplicity $18.2K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $12.7K, SMG $10K, PenFed Promise $12K, Total Rewards $8.5K, Discover It $2.5K, Discover It $2K, Cap One QS1 $850, Overstock $32K
Message 8 of 13
Jlgab345
Established Contributor

Re: Alliant Signature Approval $20K

No proof of income requested, though I wouldn’t have had an issue providing. Only requested ID.
RBFCU Premier $25K, Sam’s Club MC $25K, Citi Exec WEMC $34K, Alliant Signature $20K, SSFCU $20K, Cap1 Venture $20K, Employer CU LOC $20K, Navy GoRewards $18K, 2nd NFCU Plat $14.7K, Citi Simplicity $18.2K, PenFed Power Cash $10K, PenFed PLOC $10k, Navy Platinum $12.7K, SMG $10K, PenFed Promise $12K, Total Rewards $8.5K, Discover It $2.5K, Discover It $2K, Cap One QS1 $850, Overstock $32K
Message 9 of 13
xaximus
Valued Contributor

Re: Alliant Signature Approval $20K

Congrats on the approval! Nice SL too!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 10 of 13
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