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I've been reading on here that SECU MD has been generous with their credit lines, so I decided to apply and asked for $25k. Got the message: 'If your request is Approved, a loan processor will reach out to you within in 3-5 business days to discuss your approval.' Sure enough, a loan processor reached out on the 5th business day to say I was approved. Was very pleasantly surpised as I was not expecting to get approved. I had no previous relationship with SECU.
Data Points:
BK in 2015
Equifax 5 Score 705 (lower than I expected it would be, but I believe this is their mortgage score and I don't have a mortage. So I'm not sure if this hurts me??)
29% Utilization
Income $230k
Inquiries: 4, 8 and 4 in the last 24 months
New Accounts: 1 in the last 12 months. 12 in the last 24 months
They asked for no POI or any documentation
Congratulations on your SECU approval!!
Congrats on your SECU MD approval and your great $25k starting limit!!!
That sure is a whopper SL they approved you with. Congratulations on your new SECU Card!!
Grats on your SECU approval
@debtphobe wrote:I've been reading on here that SECU MD has been generous with their credit lines, so I decided to apply and asked for $25k. Got the message: 'If your request is Approved, a loan processor will reach out to you within in 3-5 business days to discuss your approval.' Sure enough, a loan processor reached out on the 5th business day to say I was approved. Was very pleasantly surpised as I was not expecting to get approved. I had no previous relationship with SECU.
Data Points:
BK in 2015
Equifax 5 Score 705 (lower than I would have like liked, but I beleive this is their mortgage score and I don't have a mortage. So I'm not sure if this hurts me??)
29% Utilization
Income $230k
Inquiries: 4, 8 and 4 in the last 24 months
New Accounts: 1 in the last 12 months. 12 in the last 24 months
They asked for no POI or any documentation
congrat...how many total open a/c you have? Which card have you applied for? I was recently denied by this CU even though I got pre-approved offer from them...have been their member for more than a year...score was 799...utilization almost 0%...3 accounts in 12 months and 8 accounts in 24 months...my statistics seem better than yours except income , yet still i got denied for "exclation of debt" reason...I filed appeal, got denied by their panel as well.
WooHoo!! Congratulations on your SECU Approval!!👏🏼🍾🥂
Congratulations on your SECU MD approval!
that is one outstanding approval, nicely done!!
Congrats on your SECU-MD approval! 🎉