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Unify FCU Engage Rewards Visa & PLOC approvals

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Frequent Contributor

Unify FCU Engage Rewards Visa & PLOC approvals

Got a wild hair last night and decided to apply for a card a Unify. I was a little nervous after reading some of the experiences (like the mysterious approval and no response @SouthJamaica had a couple years ago), but I was pleasantly surprised by the speed and ease of the process!

 

I did the online app, and as expected they pulled EX. I hate apps that ask what you want for a SL - I'd rather they just offer something, or do like Alliant and give a "maximum I qualify for" option. I decided to throw out $20K, and it came back with an instant "conditional approval"! I received an email asking me to email a paystub - they really need a secure upload site, but ADP masks your SSN so I didn't mind emailing.

 

Late this morning they called and asked for proof of address, too, which isn't surprising since I've only been here about 8 months. I asked her about doing a PLOC with the same pull, so she asked a few questions (I said $10K for that one) and she said it was a "system approval" so it didn't even need to go to underwriting! Woohoo!! I emailed over my proof of address, and a little bit later I got the docusigns, so I submitted them. Whole process took maybe an hour Smiley Happy A couple hours later, they showed up in my online banking:

unify.png

DPs:

EX Score (I think they still use 02): 749 (08 is around 780)

~10 INQs, including 3 in the past month or so

Couple new accounts on personal report in last 6 months

APR on card: 13.24 (lowest)

APR on PLOC: 9%

5000 bonus points (about $50 worth) for spending $2k in 90 days

Personal:

Business:



(TU Split File - FIXED!)
Message 1 of 6
5 REPLIES 5
Senior Contributor

Re: Unify FCU Engage Rewards Visa & PLOC approvals

Congratulations!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 2 of 6
New Contributor

Re: Unify FCU Engage Rewards Visa & PLOC approvals

Excellent Job!

Message 3 of 6
Valued Contributor

Re: Unify FCU Engage Rewards Visa & PLOC approvals

Thanks for the details on this credit union and good recounting of the process.

And Congratulations! on your two approvals.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2019): FICO 08 EXP: 747; TU: 749; EQ: 747
2019 Goal Score: 800 across the board


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Message 4 of 6
Senior Contributor

Re: Unify FCU Engage Rewards Visa & PLOC approvals

Congrats on both approvals and very nice SL !!!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 6
Community Leader
Super Contributor

Re: Unify FCU Engage Rewards Visa & PLOC approvals

Congrats on those two approvals!

Message 6 of 6
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