AOD was extremely sensitive to student loan debt. Would not accept IBR payment amount. Formulated their own method and projected my monthly payments at $1,000+ thus they denied every application due to this. I'm not sure what the deal was with DCU. Denied every app for escalating debt. DTI is minimal and utilization < 15%. I'm assuming they don't like something about my profile. Been in my currently job for almost 6 years. Not sure what it was but they denied me every single time.
As far as customer service goes, I've never really had to talk to NFCU much. When I have they have been great but the majority of their stuff is done online/automated. BCU seems to be a little less automated. Both my approvals including calls with a loan officer. Had the same one twice. He was amazing. Their deposit rates and my interaction with him ultimately led to moving a big chunk of my deposits over to them. I now point a good majority of my payroll direct deposit over to them. Still send a chunk to Consumers as well. They have also been great.
Current F8 Scores- EQ 711 - TU 729 - EX 714
Current F9 Scores- EQ 695 - TU 722 - EX 691
Current Cards- NFCU Flagship ($30,400) NFCU Platinum ($21,500) PSECU Founders ($20,000) Alliant Cash Rewards ($10,000) Affinity Cash Rewards ($10,000) PayPal MC ($10,000) Consumers Cash Rebate ($9,000) BCU Travel ($6,000) Best Buy ($6,000) Wings Member Cash ($5,000)
Lines- PSECU SLOC ($10,000) BCU LOC ($10,000) NFCU CLOC ($3,000)
