AOD Membership Chex Inquiry Sensitivity

[audioman00]

Hi All,

Searched for this answer on the AOD threads but couldn't find it. Is AOD Chex inquiry sensitive for memberships? 

I'm ready to ride the wave, sitting on ~830 EQ5, 0/12, 1/24, 2% UTL, 7% DTI, but with 5 Chex sys inquiries this year. Afraid I'll qualify for the card but not the membership :/ 

Thanks!

[minski]

Yes, somewhat. Out of all the credit unions I have joined, they were the only ones to question me on my Chex inquiries. I was completely taken aback.

[snickerpedia]

I joined in April with at least 7 Chex inquiries in 6 months with no problem....

times may have changed with the myfico stampede though...

[M_Smart007]

I think I had 6 in 6 months or thereabouts.

[M_Smart007]

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@snickerpedia wrote:

I joined in April with at least 7 Chex inquiries in 6 months with no problem....

times may have changed with the myfico stampede though...

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Things may have changed after the myFICO tidal wave of approvals

[Gmood1]

When I joined I was never asked about my Chex system inqs. I'm not for sure on the number. Probably 12 or more in a 12 month period.

Things have changed from what others that followed me have said. So who knows now.

[RootDet]

When I joined AOD I had 4 inquiries within 5 months and 1 inquiry 2 years old. 

[audioman00]

Rootdet - thanks for the datapoint. When did you apply? 

[RootDet]

Within the last 30 days