DCU approved (CC and auto loan)!

aubie1kenobie2 · ‎03-09-2014

Finally told myself, "what the heck", and applied for a DCU CC. I also did mention to the CSR that I was planning to get an auto loan soon. After a lengthy application process (she had a LOT of questions about my credit history, employment, places of residence -- because I moved a lot, and what I did between school and getting a job -- because there was a gap) -- she came back saying I was approved for a $4k CC (~9.5% APR, forgot exact percentage -- not their best, but great for me!!) AND an auto loan for $15k, which was what I wanted (I have about 3-4k for DP). I am so stoked!!!! That's it for me, I will be in the garden for the rest of the year!!!!

Starting Score: No credit history in July 2013, 663 in August (lender pulled)
Current Score: 773 (Discover FICO), 749 (DCU EQ)
Ultimate goal: Buy a house in 2016!

alvon123 · ‎03-09-2014

congrats!!!

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

gdale6 · ‎03-09-2014

Congrats to your successful apps, enjoy

-Wade- · ‎03-09-2014

@aubie1kenobie2 wrote:
Finally told myself, "what the heck", and applied for a DCU CC. I also did mention to the CSR that I was planning to get an auto loan soon. After a lengthy application process (she had a LOT of questions about my credit history, employment, places of residence -- because I moved a lot, and what I did between school and getting a job -- because there was a gap) -- she came back saying I was approved for a $4k CC (~9.5% APR, forgot exact percentage -- not their best, but great for me!!) AND an auto loan for $15k, which was what I wanted (I have about 3-4k for DP). I am so stoked!!!! That's it for me, I will be in the garden for the rest of the year!!!!

Congrats on your approval's

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Sedah · ‎03-09-2014

whoooT! Congrats on your success!

Current Cards: NFCU Signature Cash Reward $12.5k 1.5% || NFCU OLOC $3k || AMEX True Earnings $1.2k 3% Gas 2% Dining & Travel || Walmart $1k || Barclay Apple $1.7k
Goal Cards: AMEX Blue Cash Preferred 6% Grocery 3% Gas & Dept. Stores || Chase Sapphire Preferred 2x Travel & Dining || Chase Freedom 5% category per quarter || Discover IT 5% category per quarter || PenFed Platinum Cash Rewards 5% Gas
Starting Score: 589 (2013Dec) Current Score: TU 751(Walmart FICO 201404) || EQ 726(NFCU 201405)|| EXP 652(AMEX 201403)
Goal Score: 700+ ALL Around

coldnmn · ‎03-09-2014

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

grinlikechelsea · ‎03-09-2014

Congrats on the CC and the loan!

aubie1kenobie2 · ‎03-13-2014

Just found out today, they double pulled me -- pulled EX and EQ. Guess it's because of my limited credit history. Just a word to others out there who may be on the same boat.

Starting Score: No credit history in July 2013, 663 in August (lender pulled)
Current Score: 773 (Discover FICO), 749 (DCU EQ)
Ultimate goal: Buy a house in 2016!

tray · ‎03-14-2014

Congrats DCU is a great credit union.....

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800

asphaltcowboy · ‎03-14-2014

Congrats on the new approvals!

Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013