Alliant Checking Account - Update

[Anonymous]

Yesterday I applied for a checking account through alliant.  I had already joined the CU last month and have an active savings account.  Unfortunately I received an email today from Alliant requesting me to unfreeze my EQ.  I was just about ready to fall in love with Alliant  I would have understood had they wanted to do a HP when I joined the CU, but they did a SP for that.  

Anyways, I told them there was no way I was willing to unfreeze my EQ for a checking account, but they can feel free to do a SP...lol  We shall see what comes of this.  Most likely  I will be SOL.   I just wanted make people aware of this practice of theirs, and also to emphasize the importance of freezing your reports.  I would have been super disappointed had i received a HP for this.  

UPDATE:  I over reacted.  I received an email from them today, letting me know it is a SP, they just cannot SP with my report frozen.   

Second Update: 

I thought I would update this thread again. I had to unfreeze my EQ on 6/29, so I decided I would call alliant and see if I could open the account now.  They still had my first application in the system, and were able to use that to approve me while I was on the phone.  I also wanted to note that I just received a $50 bonus!  I didn't realize they had a promotion going on..so that was a nice surprise 

[baller4life]

Sorry about your experience. I joined and got checking at the same time. Sp only.

[Anonymous]

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@baller4life wrote:
Sorry about your experience. I joined and got checking at the same time. Sp only.

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Yah that is what I saw most people reporting.  I am not sure, maybe I don't properly understand how credit freezes work.  I have been thinking about it this morning.  When I joined alliant my Credit report was unfrozen and they did perform a soft pull.  Would it be possible that they cannot perform a soft pull with my credit frozen?  I was reading up on freezes on EQ/TU/EX and they state that your current creditors can still access your report.  So if alliant only over SP'd, and I have no credit accounts with them, would the CRA's consider them a current creditor?  Or does it only consider an institution a current creditor if they are listed on your report as a trade line?  If that is the case, maybe alliant was trying to do a SP but wasn't able?  So confusing...lol!!

[baller4life]

Well I know Alliant will not pull thru a freeze for an app. They may can like others for an Account Review. But, not for a application.

[Anonymous]

I opened mine a month ago and it was SP from EQ. They specifically mentioned that they only do SP when opening up account on their website, under High Rate checking FAQs.

[Anonymous]

Please see the update.  I obviously didn't know what I was talking about and over reacted a bit.  

[RonM21]

I believe as long as you initially granted access to a current lender to pull your credit, when it is frozen, they can still SP your accounts. I'm not certain on this by the way, but thought I've read this before.

[Anonymous]

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@RM21 wrote:
I believe as long as you initially granted access to a current lender to pull your credit, when it is frozen, they can still SP your accounts. I'm not certain on this by the way, but thought I've read this before.

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That is what I had though as well.  It does not appear to be the case though.  

[Anonymous]

I thought I would update this thread again. I had to unfreeze my EQ on 6/29, so I decided I would call alliant and see if I could open the account now.  They still had my first application in the system, and were able to use that to approve me while I was on the phone.  I also wanted to note that I just received a $50 bonus!  I didn't realize they had a promotion going on..so that was a nice surprise 

[CreditMagic7]

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@Anonymous wrote:

I thought I would update this thread again. I had to unfreeze my EQ on 6/29, so I decided I would call alliant and see if I could open the account now.  They still had my first application in the system, and were able to use that to approve me while I was on the phone.  I also wanted to note that I just received a $50 bonus!  I didn't realize they had a promotion going on..so that was a nice surprise 

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You've not seen the half of it yet.

They are an outstanding Credit Union with simply remarkable customer service as well as very competitive products and terms!