Interior FCU Approval

[pip3man]

CD53645F-9837-4E71-82B4-6D767723BFEF.jpeg

So after having a bad experience using movecu preapproval process, I decided to apply directly with the CU. HP on EQ. Had to submit paystubs, W2 forms and DL. Application was pending for like a day. Received a call from a representative to answer some security questions and was told I'd hear back in a day. Just now got a call back from a nice loan officer who informed me that application has been approved. This would be my highest limit!

[gingerflower]

Congratulations on your approval!

[Lou-natic]

Nice approval, congratulations!

[bachi607]

Congratulations, I am also planning to become a member and apply directly with Interior CU after movecu scam!! can you please share data points like whether this CU using Equifax FICO 8 or 9 and are they worried about recent Enq, I had high income can submit Paystubs but score is 685 for EQ/EX, any other data points that would help me before I submit application? did you submit credit card along with membership ? is there a HP for membership? Thanks

[pip3man]

---

@bachi607 wrote:

Congratulations, I am also planning to become a member and apply directly with Interior CU after movecu scam!! can you please share data points like whether this CU using Equifax FICO 8 or 9 and are they worried about recent Enq, I had high income can submit Paystubs but score is 685 for EQ/EX, any other data points that would help me before I submit application? did you submit credit card along with membership ? is there a HP for membership? Thanks

---

I am not sure what score was pulled haven't received the Docusign papers but my CK score on EQ says 701. As u probably know that's Vantage and basically worthless. I have a 2 years old discharged BK7, 8% overall utilization, tons of new accounts, 8 inquiries, very low DTI. I applied simultaneously for both membership & credit card which resulted in only 1 HP. Membership app still shows Pending btw but I have no doubts it wouldn't go through cos I submitted all identity documentations proactively. 

[bachi607]

great, thank you. I just called CR as well and they said its a HP for membership and its good for 30days

[bachi607]

@pip3man  - I do not see an option to submit both membership and Credit Card, I initiated membership application , should I start directly applying for Credit Card to see both options at a time? Thanks

[Fortunate2017]

---

@bachi607 wrote:

Congratulations, I am also planning to become a member and apply directly with Interior CU after movecu scam!! can you please share data points like whether this CU using Equifax FICO 8 or 9 and are they worried about recent Enq, I had high income can submit Paystubs but score is 685 for EQ/EX, any other data points that would help me before I submit application? did you submit credit card along with membership ? is there a HP for membership? Thanks

---

I was just pre-approved today for an auto loan with Interior FCU and they pulled EQ Fico 9. DPs are 788 EQ 9, 11 inquiries  in the last 12 months, and 8% utilization.  They run chexsystems for membership.  I can't be 100% certain its only chexsystem for membership as I applied for autoloan first.  I hope this helps

[bachi607]

Ohh even for Credit Cards they use EQ Fico 9? Thanks

[winner88]

Congratulations! Did you get the same $25k limit?