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The Anniston Tidal Wave…AOD FCU Approvals Thread

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Mega Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

@PullingMeSoftly  Not your fault ..Thank youSmiley Happy

I have been busy with Lawyer stuff most of the day.

Message 21 of 347
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Established Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

@PullingMeSoftly 

 

This is an absolutely marvelous list. Comprehensive. Concise.

And right to the point. Very well done! Smiley Very Happy

 

Thanks to your efforts, we now have a very clean "one stop shop" for approval details,

membership requirements and approved EQ5 scores. I love how AOD does everything

by FICO score. The higher your score, the better the terms and the higher the limits. But the

ironic thing is that their 3% cashback VISA gets folks into their front door. AOD's real strong

suit, in my opinion, are their Kasasa loans. It's common sense banking that belongs in a

credit union that big banks would never offer. AOD is very good about putting members first. Smiley Very Happy

 

https://www.aodfcu.com/personal/kasasa-loans/

Watch the video. It explains everything quite nicely.

 

Congrats once again on a superb job, @PullingMeSoftly . 

This is a tremendous resource. Thank You very much! Smiley Very Happy

Message 22 of 347
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Valued Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

Great job compiling all the info @PullingMeSoftly. It's amazing when you see in concise form. 




Message 23 of 347
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Regular Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

Thanks for the kind words @AllThingsInTime  and @blindambition most appreciated...Glad we were all able to go unicorn hunting!

 

#TeamTyler












Message 24 of 347
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Frequent Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

How do I know if I'm approved ? . I applied for both the credit card and emergency relief loan. The credit card shows 25k @ 9.99 % the relief loan showings 15k 36 months at 12 % both say pending follow up???


Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 639 TU 647 Ex 664
Goal Score: 700 All 3


Take the myFICO Fitness Challenge
Message 25 of 347
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Valued Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread


@PullingMeSoftly wrote:

Thanks to @fiddycal for dropping the first pebble in the ocean…


Yes, a special thanks to @fiddycal  for alerting us to AOD FCU!

And a most excellent job on the complication, @PullingMeSoftly!

Well done and thank you!

 

"Wayne's World, Wayne's World. Party time, excellentttt ...



Updated 05/18/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 8+ years; AoYA = less than 1 year (April 2020)
Total Open Credit Lines Over $492K. Utilization Less Than 1%. Inquiries until Nov 2020 (TU:2 -- EQ:4 -- EX:6)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 26 of 347
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Super Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread


@kaylord84 wrote:

How do I know if I'm approved ? . I applied for both the credit card and emergency relief loan. The credit card shows 25k @ 9.99 % the relief loan showings 15k 36 months at 12 % both say pending follow up???


They're pending until they follow up after review. 

✌️
Message 27 of 347
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Frequent Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

Are those my actual terms?


Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 639 TU 647 Ex 664
Goal Score: 700 All 3


Take the myFICO Fitness Challenge
Message 28 of 347
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Established Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread

@kaylord84 

 

Once you're approved, your application status for both

AOD products will change from pending to approved.

In addition, an AOD rep will be calling you very shortly.

They are very good about following up with members.

During the followup phone call, the AOD rep will tell you

the final terms for both products. 

 

BTW, the emergency loan is capped at 5k for 24 months.

The loan that's still in progress is for a reqular personal loan.

So when the AOD rep calls you, make sure you tell them

that you want the emergency loan. 

Message 29 of 347
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Valued Contributor

Re: The Anniston Tidal Wave…AOD FCU Approvals Thread


@PullingMeSoftly wrote:

Thanks for the kind words @AllThingsInTime  and @blindambition most appreciated...Glad we were all able to go unicorn hunting!

 

#TeamTyler


YW, but we don't HUNT unicorns... we delicately capture them. LOL!! 😂 




Message 30 of 347
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