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Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

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Frequent Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank


@britt585 wrote:

Congrats.....Can you share memebership process for Langley CU?...Hard pull, chex?


This was last year but I believe it was chexsystems pull soft inquiry for membership. Someone can feel free to correct me if I'm wrong. They are on my chexsystems report from last year so I know that is true.



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 11 of 24
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Frequent Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

When I joined Langley, they pulled EQ, and pulled it again when I applied for the Cash Back card.

Message 12 of 24
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Regular Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

Thanks I called and the CSP she said its a SF pull to EQ and IO asked about chex, she just said they use different credit agencies to identify you....She never said yes to chex!!!...ugh....I have my chex on ice.....They offer credit rebuilder loan....

Message 13 of 24
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Super Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank


@jaeski33 wrote:
So that's your white whale!! Lol

Actually US Bank is. I burned them in my BK but I'm not blacklisted. Two no's for new accounts on Cash+ because I'm a terrible gardener. 🤣 

 

Three no's if you count the app that got declined because I had EX frozen thinking they pulled TU. 

Citi always said no too but I cracked them in September. Smiley Happy




Message 14 of 24
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Established Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank


@britt585 wrote:

Congrats.....Can you share memebership process for Langley CU?...Hard pull, chex?


Once I become a member of Langley within a few months I started seeing pre-approvals on my accounts page.

Auto loan for 25k

CC for 15k

And just this month an auto refi for 20k

 

I like CU's that do pre-approval offers.....

Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 15 of 24
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Frequent Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

I had to remove chex systems freeze to apply. Denied BECU membership last week due to chex systems😔



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 16 of 24
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Frequent Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

I cracked Citi via Costco Recon a year ago. 7+yrs post BK now Approved Rewards+😁 $16K



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 17 of 24
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Epic Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

 

Congrats on yer approvals!!!

 

Message 18 of 24
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Frequent Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

THANKS!!



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 19 of 24
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Valued Contributor

Re: Approvals Post mortgage!! Langley Visa/Citi Rewards+/US Bank

Congrats on the approval!!

 

This post inspired me to apply for membership with Langley.  Currently in 13 for another year and half so no credit yet, but I'll look to save a little money with them and establish relationship.  I didn't get a credit alert, but I did get an email from them asking for ID and util bill.  I sent it over so I should find out tomorrow.

Message 20 of 24
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