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Spring forward into DCU

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Valued Contributor

Spring forward into DCU

So I have been on a little spree I guess. I have been reading about DCU for a while, and have been preparing to apply with them. Mainly trying to get their killer refi rate on my car. So I applied and opened a savings account online early this morning. Well that got the juices flowing! 

 

I pulled the trigger on the Platinum Visa, instantly approved for $5,000.00 SL!

I had to upload my most recent pay stub, no biggie. That's my largest bankcard SL ever!

 

They pulled EQ not sure which yet, assuming mortgage 5 which is what everyone says. My most recent pull put it at 682 on the 16th

No negatives

10% utilization

 

Since that pull my utilization has gone down a little and my EQ8 has gone up.

 

I'll update if needed after they reach out to me this week😎

 

EDIT: Just got off the phone with DCU, membership for the savings was approved along with the Plat Visa @ 16.75% $5,000 SL

So far very smooth experience. 

 

Edit: Set up online banking, my first fico score provided by DCU has EQ @ 674 this might be what they had at the time of approval

47 REPLIES 47
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Valued Contributor

Re: Spring forward into DCU

Congratulations on your approval! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 2 of 48
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Super Contributor

Re: Spring forward into DCU

Congrats!



11/27/20 Mortgage scores: EX2 758, EQ5 726, TU4 no idea.
12/01/20 Fico 8: EX 757, EQ 755, TU 775.
11/04/20 Fico 9: EX 713, EQ 720, TU no idea...

Zero percent financing is where the devil lives...
Sitting in the garden behaving myself. #noinqs2020
Message 3 of 48
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Valued Contributor

Re: Spring forward into DCU


@angelwingz wrote:

Congratulations on your approval! 👍


Thank you!

Message 4 of 48
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Valued Contributor

Re: Spring forward into DCU


@tcbofade wrote:

Congrats!


Thanks Taco!

Message 5 of 48
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Valued Contributor

Re: Spring forward into DCU

Congrats on your approval!

12/18/19




05/27/20





Cards

Authorized User
Message 6 of 48
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Moderator

Re: Spring forward into DCU

Congrats on getting the card Smiley Happy That 6% APR on the first 1K in savings is enticing.

Message 7 of 48
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Epic Contributor

Re: Spring forward into DCU

Congratulations!

popcorn eating emoticon.gif

Message 8 of 48
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Valued Contributor

Re: Spring forward into DCU


@Mv350 wrote:

... I had to upload my most recent pay stub ...


Interesting -- I wonder what they require of the self-employed?

Congrats! on your approval. And thanks for the DPs -- good stuff. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 9 of 48
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Super Contributor

Re: Spring forward into DCU

Congratulations on your approval!

They pull EQ5 and give free monthly score.
Message 10 of 48
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