@lhcole77 wrote:
@kampfer09 wrote:
It's good to know that it's easy to join and stuff but the real question is how easy is it to apply for there CC? I mean if you compare NFCU you can have 100 iqueues in your CR they will approve you. How sensitive are they in regards to inq? Please advise.
Though this doesn't specifically address INQ, this is the post that rebooted this entire thread:
@zyzzus wrote:
This had me interested so I reached out to them. Here is my response.
Hello:
We are excited about your interest in State Department Federal Credit Union! To qualify for our lowest qualifying rates we typically look for a credit score of 720 and higher. We also compare your outstanding debt in relation to your income along with credit history. These factors collectively determine approval. We utilize Experian credit agency when reviewing credit. When applying for our credit products, a hard credit pull is done which usually can affect the score by a couple of points. However, a hard credit pull is not used to open up membership or an account with us.
If you have any additional questions, please let us know. Thank you for the opportunity to serve you!
Sincerely,
Lending Solutions
State Department Federal Credit Union
I have sent a follow up mail asking if not approved for the best rate if it was adjustable thereafter. Will report back.
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