@spiritcraft1 wrote:We both got in. I had my email first and set up online banking, sent some test deposits etc. By the time if finished the DW had her email... now to set that up.
Seems like a nice online set up. Now I await a clean EX file.
Nice, enjoy
. I still think UWs saw my income and 😆 at the cajones on this guy
@AverageJoesCredit wrote:
@spiritcraft1 wrote:We both got in. I had my email first and set up online banking, sent some test deposits etc. By the time if finished the DW had her email... now to set that up.
Seems like a nice online set up. Now I await a clean EX file.
Nice, enjoy
Perhaps. I never believed that couldn't identify me excuse back in "18. They saw a real mess, 9 CO's a 549 EX 08 and said.... "ahh, no thank you"
@spiritcraft1 wrote:
@AverageJoesCredit wrote:
@spiritcraft1 wrote:We both got in. I had my email first and set up online banking, sent some test deposits etc. By the time if finished the DW had her email... now to set that up.
Seems like a nice online set up. Now I await a clean EX file.
Nice, enjoy
Perhaps. I never believed that couldn't identify me excuse back in "18. They saw a real mess, 9 CO's a 549 EX 08 and said.... "ahh, no thank you"
When I joined my home CU, they let me in, but limited the checking account I could have. A year later they let me have a big-kid account. I'm glad I'm past those days. Affinity was easy to join, and now I'm having a hard time not apping for their card, but I'm TRYING to slow my roll to no more than a new card every 6 months (I was going to app for theirs, but went with the new Citi, and no regerts, just FOMO).
Just to add a couple DPs. DW was approved one day after membership approval for the CB Visa $15k @ 12.5%
Pulled EX 786
4 INQ's in the last year, 5 new accounts including mortgage.
Took a day to get the approval after submitting POI again ($78k) personal.
I will await my EX cleansing to try my luck.
We also applied for a received a joint checking account on day 3. (I wanted to join with only savings to enhance chances of approval). No EX pulls for the Checking Account of course. I think we are done with personal checking accounts! I have way too many personal checking accounts. Most are older but I look like a money launderer or mob boss on paper.
@ocheosa wrote:
@spiritcraft1 wrote:Just to add a DP. DW was approved one day after membership approval for the CB Visa $15k @ 12.5%
Pulled EX 786
4 INQ's in the last year, 5 new accounts including mortgage.
Took a day to get the approval after submitting POI again (78k).
Congrats to the DW! If interested, she can use the same pull for another credit product. I called in and requested the PLOC (9.75% APR). The representative pulled up the original credit report, attached it to the application and documented on the credit disclosure form. It process was super easy and an instant approval.
Cool, thank you. They have been beyond excellent. I looked over all of their rates, all seem quite good. They keep sending these personalized welcome emails and everything has just been smooth. The checking account was live in both of our accounts within 10 minutes of submitting the app. Setting up external accounts has been a breeze etc.
@calyx wrote:
@spiritcraft1 wrote:
@AverageJoesCredit wrote:
@spiritcraft1 wrote:We both got in. I had my email first and set up online banking, sent some test deposits etc. By the time if finished the DW had her email... now to set that up.
Seems like a nice online set up. Now I await a clean EX file.
Nice, enjoy
Perhaps. I never believed that couldn't identify me excuse back in "18. They saw a real mess, 9 CO's a 549 EX 08 and said.... "ahh, no thank you"
When I joined my home CU, they let me in, but limited the checking account I could have. A year later they let me have a big-kid account. I'm glad I'm past those days. Affinity was easy to join, and now I'm having a hard time not apping for their card, but I'm TRYING to slow my roll to no more than a new card every 6 months (I was going to app for theirs, but went with the new Citi, and no regerts, just FOMO).
Lol when i join a new CU i always app the cc to see what they think of me. Most say no lol. Im past the point of apping to app. All the lenders who rejected me, especially multiple times like PF, wont get anymore apps from me. I will say the csr were really nice to talk with with i inquired about my fantom denials.
@spiritcraft1 wrote:Just to add a couple DPs. DW was approved one day after membership approval for the CB Visa $15k @ 12.5%
Pulled EX 786
4 INQ's in the last year, 5 new accounts including mortgage.
Took a day to get the approval after submitting POI again ($78k) personal.
I will await my EX cleansing to try my luck.
We also applied for a received a joint checking account on day 3. (I wanted to join with only savings to enhance chances of approval). No EX pulls for the Checking Account of course. I think we are done with personal checking accounts! I have way too many personal checking accounts. Most are older but I look like a money launderer or mob boss on paper.
😆 grats to DW thats a nice double double
@AverageJoesCredit wrote:
@calyx wrote:
@spiritcraft1 wrote:
@AverageJoesCredit wrote:
@spiritcraft1 wrote:We both got in. I had my email first and set up online banking, sent some test deposits etc. By the time if finished the DW had her email... now to set that up.
Seems like a nice online set up. Now I await a clean EX file.
Nice, enjoy
Perhaps. I never believed that couldn't identify me excuse back in "18. They saw a real mess, 9 CO's a 549 EX 08 and said.... "ahh, no thank you"
When I joined my home CU, they let me in, but limited the checking account I could have. A year later they let me have a big-kid account. I'm glad I'm past those days. Affinity was easy to join, and now I'm having a hard time not apping for their card, but I'm TRYING to slow my roll to no more than a new card every 6 months (I was going to app for theirs, but went with the new Citi, and no regerts, just FOMO).
Lol when i join a new CU i always app the cc to see what they think of me. Most say no lol. Im past the point of apping to app. All the lenders who rejected me, especially multiple times like PF, wont get anymore apps from me. I will say the csr were really nice to talk with with i inquired about my fantom denials
I wonder what would have happened. I figured it was best to let Affinity get to know the DW for at least 24 hours before applying.
@spiritcraft1 wrote:Just to add a couple DPs. DW was approved one day after membership approval for the CB Visa $15k @ 12.5%
Pulled EX 786
4 INQ's in the last year, 5 new accounts including mortgage.
Took a day to get the approval after submitting POI again ($78k) personal.
I will await my EX cleansing to try my luck.
We also applied for a received a joint checking account on day 3. (I wanted to join with only savings to enhance chances of approval). No EX pulls for the Checking Account of course. I think we are done with personal checking accounts! I have way too many personal checking accounts. Most are older but I look like a money launderer or mob boss on paper.
Congratulations on DWs approval! If you're familiar with DCU, their setup is similar. And they also have the Loan Suite setup where they show you your preapprovals every quarter. I think you have to sign up for their quarterly EX Fico Score.
