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@Rhaeny wrote:
@daybreakgonesXe wrote:
@Ron1 wrote:
@09Lexie wrote:
On, so they asked and you didn't think they needed it...😂
DCU is reaaaaallllly into identity verification.I thought they didn't need it. It said: "If your social security number was issued after June 2011 we will also require a copy of your social security card."
Ron.
It's amazing how much I see the extremes of the DCU security verification...I didn't have to send in anything. No copy of driver's license, no social security card, no utility/credit card bill, nothing...
It did ask me for my driver's license number, social (obviously), and asked me a bunch of oddly specific security questions (Asked me twice to select which people were in my household, birthday of my father, mother's previous FULL name (first, middle, maiden name), etc.)
Then again, I've only been with 2 other banks before DCU, so maybe they viewed me as less of a identity risk, compared to a lot of you who are a little older and wiser, and have the extra money to put into different banks and as you progressed in life, opened and closed bank accounts as needed.
Yep same for me. They didn't ask for ANYTHING from me. I joined back in September and everything was instant. Instant CC and membership approved instantly. I had my membership package and CC in a few days. Something has gone wrong with DCU. Maybe like what was said earlier that they have received an influx of membership requests in recent months but that doesn't excuse them for taking a month to verify someone.
True...I applied for membership at the end of January, and I feel like even during that time many members reported the run-around and having to go nuts scanning/mailing information!
@Rhaeny wrote:
@daybreakgonesXe wrote:
@Ron1 wrote:
@09Lexie wrote:
On, so they asked and you didn't think they needed it...😂
DCU is reaaaaallllly into identity verification.I thought they didn't need it. It said: "If your social security number was issued after June 2011 we will also require a copy of your social security card."
Ron.
It's amazing how much I see the extremes of the DCU security verification...I didn't have to send in anything. No copy of driver's license, no social security card, no utility/credit card bill, nothing...
It did ask me for my driver's license number, social (obviously), and asked me a bunch of oddly specific security questions (Asked me twice to select which people were in my household, birthday of my father, mother's previous FULL name (first, middle, maiden name), etc.)
Then again, I've only been with 2 other banks before DCU, so maybe they viewed me as less of a identity risk, compared to a lot of you who are a little older and wiser, and have the extra money to put into different banks and as you progressed in life, opened and closed bank accounts as needed.
Yep same for me. They didn't ask for ANYTHING from me. I joined back in September and everything was instant. Instant CC and membership approved instantly. I had my membership package and CC in a few days. Something has gone wrong with DCU. Maybe like what was said earlier that they have received an influx of membership requests in recent months but that doesn't excuse them for taking a month to verify someone.
Did you apply for cc and membership at the same time?
Ron.
@Ron1 wrote:
@Rhaeny wrote:
@daybreakgonesXe wrote:
@Ron1 wrote:
@09Lexie wrote:
On, so they asked and you didn't think they needed it...😂
DCU is reaaaaallllly into identity verification.I thought they didn't need it. It said: "If your social security number was issued after June 2011 we will also require a copy of your social security card."
Ron.
It's amazing how much I see the extremes of the DCU security verification...I didn't have to send in anything. No copy of driver's license, no social security card, no utility/credit card bill, nothing...
It did ask me for my driver's license number, social (obviously), and asked me a bunch of oddly specific security questions (Asked me twice to select which people were in my household, birthday of my father, mother's previous FULL name (first, middle, maiden name), etc.)
Then again, I've only been with 2 other banks before DCU, so maybe they viewed me as less of a identity risk, compared to a lot of you who are a little older and wiser, and have the extra money to put into different banks and as you progressed in life, opened and closed bank accounts as needed.
Yep same for me. They didn't ask for ANYTHING from me. I joined back in September and everything was instant. Instant CC and membership approved instantly. I had my membership package and CC in a few days. Something has gone wrong with DCU. Maybe like what was said earlier that they have received an influx of membership requests in recent months but that doesn't excuse them for taking a month to verify someone.
Did you apply for cc and membership at the same time?
Ron.
I only went for membership.
@Ron1 wrote:
@Rhaeny wrote:
@daybreakgonesXe wrote:
@Ron1 wrote:
@09Lexie wrote:
On, so they asked and you didn't think they needed it...😂
DCU is reaaaaallllly into identity verification.I thought they didn't need it. It said: "If your social security number was issued after June 2011 we will also require a copy of your social security card."
Ron.
It's amazing how much I see the extremes of the DCU security verification...I didn't have to send in anything. No copy of driver's license, no social security card, no utility/credit card bill, nothing...
It did ask me for my driver's license number, social (obviously), and asked me a bunch of oddly specific security questions (Asked me twice to select which people were in my household, birthday of my father, mother's previous FULL name (first, middle, maiden name), etc.)
Then again, I've only been with 2 other banks before DCU, so maybe they viewed me as less of a identity risk, compared to a lot of you who are a little older and wiser, and have the extra money to put into different banks and as you progressed in life, opened and closed bank accounts as needed.
Yep same for me. They didn't ask for ANYTHING from me. I joined back in September and everything was instant. Instant CC and membership approved instantly. I had my membership package and CC in a few days. Something has gone wrong with DCU. Maybe like what was said earlier that they have received an influx of membership requests in recent months but that doesn't excuse them for taking a month to verify someone.
Did you apply for cc and membership at the same time?
Ron.
Ron, I applied for the CC first and then I applied for membership. At that time I hadn't heard any of the stories like I hear now about DCU. It wasn't until I heard about how people were getting approved for the CC but not getting approved for membership that I started recommending that they get the membership first. Because you have to do an HP anyway and if you can't get the CC you can at least get the free fico every month. At least that would make it worth it.
@Rhaeny wrote:
@Ron1 wrote:
@Rhaeny wrote:
@daybreakgonesXe wrote:
@Ron1 wrote:
@09Lexie wrote:
On, so they asked and you didn't think they needed it...😂
DCU is reaaaaallllly into identity verification.I thought they didn't need it. It said: "If your social security number was issued after June 2011 we will also require a copy of your social security card."
Ron.
It's amazing how much I see the extremes of the DCU security verification...I didn't have to send in anything. No copy of driver's license, no social security card, no utility/credit card bill, nothing...
It did ask me for my driver's license number, social (obviously), and asked me a bunch of oddly specific security questions (Asked me twice to select which people were in my household, birthday of my father, mother's previous FULL name (first, middle, maiden name), etc.)
Then again, I've only been with 2 other banks before DCU, so maybe they viewed me as less of a identity risk, compared to a lot of you who are a little older and wiser, and have the extra money to put into different banks and as you progressed in life, opened and closed bank accounts as needed.
Yep same for me. They didn't ask for ANYTHING from me. I joined back in September and everything was instant. Instant CC and membership approved instantly. I had my membership package and CC in a few days. Something has gone wrong with DCU. Maybe like what was said earlier that they have received an influx of membership requests in recent months but that doesn't excuse them for taking a month to verify someone.
Did you apply for cc and membership at the same time?
Ron.
Ron, I applied for the CC first and then I applied for membership. At that time I hadn't heard any of the stories like I hear now about DCU. It wasn't until I heard about how people were getting approved for the CC but not getting approved for membership that I started recommending that they get the membership first. Because you have to do an HP anyway and if you can't get the CC you can at least get the free fico every month. At least that would make it worth it.
Thanks for the info. I'm not in hurry to get their cc. Did you get instantly approved? Would you share your credit profile such as score, inquiry and the CRA they pulled from).
Ron.
I joined online this Sunday the 21st too! and got a HP in EQ
then right away they sent me an email asking for my DL, sent it it back to the reply email. and they cashed my 5 bucks for my opening deposit.
Yesterday nothing happened, called and they told me it was in process.
Today early in the morning got an email asking for a color copy of my SSC, sent.
Hopefully I can get an answer tomorrow
Im in CA by the way.
Ron, I was instantly approved for $7500. My score was 720 on EQ and I had zero inquiries. My AAOA was over 6 years. I was also fresh out of a bk and the only open accounts I had was a commenity card for $150 and a CreditOne card for $500 (both 6 months old). How I got that I don't know because my eyes were bucked when I saw that instant approval. One thing I did do was start working on cleaning up my accounts long before my discharge (ch 13) because I knew when it was done that I would need a car. So in essence I was hell bent on making sure that I had a very good score. The one thing that worked in my favor is that most of my baddies had been deleted and the remaining 2 accounts were really close to the 7 year mark so I think it played a low impact on the approval decision.
What was your income?