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PSECU application question.......

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Anonymous
Not applicable

PSECU application question.......

I'm interested in joining PSECU as I live in PA.

 

My major concern from reading other's posts here is that I'll be denied possibly due to the length of time at my current employer.

 

I am a software engineer and have been a consultant for the past 8 years working for a few consulting firms in Pittsburgh and Philly.  I have been working at the same client since 2009 and took a position as a full-time employee last November.

 

So I've been working at the same office for 3 years but for 2 and 1/2 of them I was paid by a consulting firm and the last 6 months as an employee.

 

My credit isn't perfect as I have a few old paid CO's that are 3+ years old, nothing unresolved or unpaid. No lates in the past 3 years either.

 

My EX FICO is approx: 686 (lender pull).  I have a low DTI but I do have 6 inquiries in the past 12 months.

 

AAOA is 5.5 years and I have 7 CC's with perfect payment history and 2% util.

 

I was recently approved for Chase Freedom card for 4k with a recon 2 months ago.

 

Does anyone think I have a shot at their CC/PSL combo?

 

 

 

Message 1 of 6
5 REPLIES 5
Smug
Established Contributor

Re: PSECU application question.......

Yes... Give it a shot I love PSECU.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 2 of 6
Anonymous
Not applicable

Re: PSECU application question.......

Thanks!  I'm trying to build up some confidence.  Smiley Happy

Message 3 of 6
Anonymous
Not applicable

Re: PSECU application question.......

Okay, step one down!  I just applied online for membership (checking and savings) and was approved!

 

I have an account number now and I was given a message that within 10 days I will receive a Membeship and Account Signature form that I need to sign and send in.

 

Does anyone know if I am able to apply for the CC and PSOL combo now?  And if so, should I give it some time? i.e. Have a few paychecks direct deposited before applying for any credit lines.

 

 

Thanks!

Message 4 of 6
visorboy1974
Valued Contributor

Re: PSECU application question.......


@Anonymous wrote:

Okay, step one down!  I just applied online for membership (checking and savings) and was approved!

 

I have an account number now and I was given a message that within 10 days I will receive a Membeship and Account Signature form that I need to sign and send in.

 

Does anyone know if I am able to apply for the CC and PSOL combo now?  And if so, should I give it some time? i.e. Have a few paychecks direct deposited before applying for any credit lines.

 

 

Thanks!


If you have a member number, you should be OK to apply for the Visa/PSL.  It's up to you as to how much activity you want to show before you go with the application. 

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 5 of 6
Anonymous
Not applicable

Re: PSECU application question.......

I think I'm going to try and show some activity first, a couple direct paycheck deposits, debit card usage, etc.  Maybe give it a shot in a month or so.

Message 6 of 6
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