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BECU membership & Chex inquiry sensitivity

SouthJamaica
Super Contributor

BECU membership & Chex inquiry sensitivity

A couple of years back I joined the Northwest Credit Union Foundation so that I would qualify for membership in BECU.

 

And then I got turned down by BECU for having too many Chex inquiries.

 

I tried again, last week, with my last Chex inquiry being 4 months ago.

 

This time I got approved.

 

It took about 5 days, but other than that it was pretty seamless.  After about 3 days I was asked to upload a utility bill. About 2 or 3 days after that the approval arrived, and it was easy to get set up online.

 


Total revolving limits 698000 (605000 reporting) FICO 8: EQ 721 TU 742 EX 715

Message 1 of 10
9 REPLIES 9
cashorcharge
Senior Contributor

Re: BECU membership & Chex inquiry sensitivity

Congrats!! With all the Auto-CLI love lately...and apparently "a thing around this time of year" I think was mentioned....I hope you get a great a new option!

Message 2 of 10
CreditCuriosity
Moderator

Re: BECU membership & Chex inquiry sensitivity

BECU is just a SP against TU to join other then Chex inquiry right?    Been around January since I tried to join a new CU and can't apply for credit right now due to mortage whenever dang house is finished being built.  Mise well dump some money in them if approved.  Just can't take a HP hit.

Message 3 of 10
GlennvilleGA
Regular Contributor

Re: BECU membership & Chex inquiry sensitivity

That's absolutely correct! A SP on TU

Message 4 of 10
SouthJamaica
Super Contributor

Re: BECU membership & Chex inquiry sensitivity


@CreditCuriosity wrote:

BECU is just a SP against TU to join other then Chex inquiry right?    Been around January since I tried to join a new CU and can't apply for credit right now due to mortage whenever dang house is finished being built.  Mise well dump some money in them if approved.  Just can't take a HP hit.


All I know is there was no hard pull.


Total revolving limits 698000 (605000 reporting) FICO 8: EQ 721 TU 742 EX 715

Message 5 of 10
Guyatthebeach
Valued Contributor

Re: BECU membership & Chex inquiry sensitivity

SouthJamaica, 


Congratulations on joining BECU!  After the initial jumping through hoops to join, I'm impressed with what I've seen so far.

 

What was your CL on you're BECU Visa?

 

Guyatthebeach

 

Message 6 of 10
SouthJamaica
Super Contributor

Re: BECU membership & Chex inquiry sensitivity


@Guyatthebeach wrote:

SouthJamaica, 


Congratulations on joining BECU!  After the initial jumping through hoops to join, I'm impressed with what I've seen so far.

 

What was your CL on you're BECU Visa?

 

Guyatthebeach

 


I didn't really have to indulge in hoop jumping, only hoop was to upload a utility bill Smiley Happy

 

Starting CL on the Visa is 20k.  No hoop jumping there, either....   yet.

 

 


Total revolving limits 698000 (605000 reporting) FICO 8: EQ 721 TU 742 EX 715

Message 7 of 10
Guyatthebeach
Valued Contributor

Re: BECU membership & Chex inquiry sensitivity


@SouthJamaica wrote:

@Guyatthebeach wrote:

SouthJamaica, 


Congratulations on joining BECU!  After the initial jumping through hoops to join, I'm impressed with what I've seen so far.

 

What was your CL on you're BECU Visa?

 

Guyatthebeach

 


I didn't really have to indulge in hoop jumping, only hoop was to upload a utility bill Smiley Happy

 

Starting CL on the Visa is 20k.  No hoop jumping there, either....   yet.

 

 


That's awesome and impressive!

 

Guyatthebeach

Message 8 of 10
SouthJamaica
Super Contributor

Re: BECU membership & Chex inquiry sensitivity


@Guyatthebeach wrote:

@SouthJamaica wrote:

@Guyatthebeach wrote:

SouthJamaica, 


Congratulations on joining BECU!  After the initial jumping through hoops to join, I'm impressed with what I've seen so far.

 

What was your CL on you're BECU Visa?

 

Guyatthebeach

 


I didn't really have to indulge in hoop jumping, only hoop was to upload a utility bill Smiley Happy

 

Starting CL on the Visa is 20k.  No hoop jumping there, either....   yet.

 

 


That's awesome and impressive!

 

Guyatthebeach


Once I have the card activated, and can see the account online, then I'll exhale.


Total revolving limits 698000 (605000 reporting) FICO 8: EQ 721 TU 742 EX 715

Message 9 of 10
Gunnerboy
Frequent Contributor

Re: BECU membership & Chex inquiry sensitivity

Welcome to Boeing!!



"Not everyone who helps you is a friend, and not everyone who challenges you is an enemy."
Message 10 of 10
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