Alliant Credit Union TIPS - APP & FICO Survey Results

[Anonymous]

1.  what your EQ FICO score at time of app  739/719

2.  any EQ derogs at time of app some 30 day lates in 04/ 05/07

3.  what instant offers you received online HELOC/5.24 car loan/visa

4.  what instant Credit Limit & APR didyou get 2500/12.9 (I THINK)

have never had any luck with cc's. it's still a better rate then my HSBC at 17.9

[Anonymous]

Congrats....the auto loan rate isn't bad and the Visa CL will hopefully grow!

Which Visa did you get?  Was is a reward card?  Those tend to have higher APR.

Message Edited by txjohn on 03-27-2009 02:04 PM

[Anonymous]

Well my highest limit card is an Amex at 8K followed by BoA Amex at $2.5K so I guess they give me such a low limit based on the kinds of cards I have which really stinks. I wonder if they give CLI upon activation as I was looking for at least 5K.

[Scamp]

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jahmal wrote:
Well my highest limit card is an Amex at 8K followed by BoA Amex at $2.5K so I guess they give me such a low limit based on the kinds of cards I have which really stinks. I wonder if they give CLI upon activation as I was looking for at least 5K.

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jahmal, did you mean to post to this thread...?  The topic on here is info about apping/results from apping with Alliant CU, and your post doesn't seem to relate to that...?

If you posted in error, let us know, and we can move or remove your post.

Message Edited by Scamp on 03-28-2009 06:27 AM

[Anonymous]

jahmal was answering the question what OTHER type of cards he had on his CR because he received a lower than expected CL from Alliant, only $2.5k.

[Scamp]

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txjohn wrote:

jahmal was answering the question what OTHER type of cards he had on his CR because he received a lower than expected CL from Alliant, only $2.5k.

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Oops - my bad, then. That's what I get for posting before my third cup of tea and for skimming through threads too quickly. 

Sorry, jahmal, et al. - carry on.

*stumbles away from desk in search of more tea*

[score_building]

1.  EQ FICO:  705

2.  any EQ derogs.:  yes. >5 yr old SL lates. otherwise clean.

3.  what instant offers you received online:

6.5k visa 12%

20k auto loan 5.24

mortgage loan

LOC

4.  util reporting.: 37%

5.  how many EQ inqs.:  2

6.  how many accts. less than 1 yr. old: 1

7.  length of credit history:  21 Years, 6 Months

      newest acct.:  10 mos

8.  average account age:  5 Years, 6 Months.

9.  highest CL prior to app.:  5k

 [edited to incl. more info. and combine posts]

Message Edited by score_building on 03-30-2009 02:03 AM

[Anonymous]

Congrats, score!  If you don't mind sharing, what were your AAoA, age of oldest account and newest account?

[Anonymous]

1.  what your EQ FICO score at time of app

662 

2.  what was your AAoA and age of oldest account

AAoA 2yr & 9yr Oldest Account 

3.  what was your highest CL at time of app

Highest Store Card: Lowes $6050 & Highest Major: Hooters MC $1200

4.  any EQ derogs at time of app

Lowes has 2 30 day with the soonest being 3yrs 9months ago, One Paid Collection $440 over 5yrs old and one Charge-off $700 over 5 yrs old

5.  what instant offers you received online

None 3-5 day contact by mail

6.  what instant Credit Limit & APR didyou get

None

My Chexsystem report should have a Bad checking ($800) from 5yrs ago that was opened for brother.

I called yesterday and was told that my account was opened and I would receive Signature Card in mail then I could talke to Loan Officer......I am hoping I can re-finance my suv with them atleast..... 

[Anonymous]

Just checked out Alliant's web site & nearly fell over when I saw that they're paying 3% on their savings account. When you consider that most of the high-yield online savings accounts (HSBC, ING, EmigrantDirect) are below 2%, that's remarkable. (GMAC is still paying 2.25% on its Online Savings Account, but who knows how long that will last?)

I've got more credit than I can use. What I really need right now are deposit accounts with decent rates of return. Is anyone using Alliant's savings or checking accounts? Any complaints? How long does a transfer from an ING Direct or an HSBC Direct account take? Would you hesitate to deposit $25K or more? (I see that deposits are NCUA insured, but I also notice that Alliant is a state-chartered, as opposed to Federal, credit union. Does this matter?)

Sorry if this is off-topic, but these are the best rates that I've seen in ages. TIA for any information.