Tower Federal Credit Union approved on SP

[12njoy]

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@BigBS wrote:

12njoy - did you ever receive an HP for the membership or CC?

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I've never received a HP for membership, credit card or line of credit application.  LOC was denied but no HP

[BigBS]

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@12njoy wrote:

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@BigBS wrote:

12njoy - did you ever receive an HP for the membership or CC?

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I've never received a HP for membership, credit card or line of credit application.  LOC was denied but no HP

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That could be good to know information.

[Anonymous]

They have 0% DP mortgages @ 3.75... pretty nice

I wish I knew

https://www.towerfcumortgages.org/choose/productDetails.asp?pr_code=100

[Anonymous]

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@Gmood1 wrote:

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@Shawndoe79 wrote:

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@Gmood1 wrote:
I joined Xcel and SDFCU through ACC. There's a bunch of CU's out there that take ACC for membership.

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Im assuming it was a soft pull since you were already a member of ACC?

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I wish they were. It was a EX HP for Xcel and a SP for SDFCU. Not because of the affiliation, but because that's just what each CUs policy is for membership.

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Data point:  SDFCU did a HP on EX for my membership in August.  Then, 4 days later when I applied for $6k PLOC, they did a second HP on EX.  Then, they denied the PLOC because they (apparently) used an older scoring model, which for me was somewhat lower than FICO 08.  They didn't say which model but they reported back 650.  Not too happy with them.   

[B335is]

Tower finally approved my membership.  Afterwards I applied for a card with around $10k BT.  They denied it citing overall debt (kind of understandable as I recently financed a new car).

[12njoy]

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@B335is wrote:

Tower finally approved my membership.  Afterwards I applied for a card with around $10k BT.  They denied it citing overall debt (kind of understandable as I recently financed a new car).

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Sorry to hear B335.  That's kind of the same reason for my LOC app with them.  They cited overall unsecured debt which means available credit.  Did they do HP for membership and/or credit card?

[B335is]

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@12njoy wrote:

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@B335is wrote:

Tower finally approved my membership.  Afterwards I applied for a card with around $10k BT.  They denied it citing overall debt (kind of understandable as I recently financed a new car).

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Sorry to hear B335.  That's kind of the same reason for my LOC app with them.  They cited overall unsecured debt which means available credit.  Did they do HP for membership and/or credit card?

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No I didn't get any HP whatsoever.  All my reports are available to pull at any time.

[12njoy]

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@B335is wrote:

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@12njoy wrote:

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@B335is wrote:

Tower finally approved my membership.  Afterwards I applied for a card with around $10k BT.  They denied it citing overall debt (kind of understandable as I recently financed a new car).

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Sorry to hear B335.  That's kind of the same reason for my LOC app with them.  They cited overall unsecured debt which means available credit.  Did they do HP for membership and/or credit card?

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No I didn't get any HP whatsoever.  All my reports are available to pull at any time.

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No harm, no foul

[Anonymous]

Tower FCU - I was approved for PLOC on here but only $5,000 from my $20,000 request. 9.74% APR but they made me used it all to consolidate debt that I have outstanding balance it was one of the speculations. They also asked POI (2 pay stubs) and all statements.... I asked her that I requested PLOC not Debt Consolidation and she said that's what it's for... 

They pulled EX for me on PLOC....

[Anonymous]

Need a little help here.. 

[9/30/2016 3:27:51 PM EDT] Tower Federal Credit Union:Thank you for your account application with Tower. We were unable to complete the verification process with your personal information. Your online account application will be canceled. You are welcome to re-apply online, in one of our branches, or by mail.

Just got denied TFCU savings. Is it because the American Consumer Council I joined, was NOT Maryland specific ? I tried joining specific location's. But it just redirected me back to the main page. 

Can anyone shed some insight on what I should do next ? I msg'd them asking what I should do next. But no response yet.