cancel
Showing results for 
Search instead for 
Did you mean: 

Redstone FCU Pre-approval emails and free FICO score

Highlighted
Community Leader
Super Contributor

Re: Redstone FCU Pre-approval emails and free FICO score

@credit_endurance 

Thanks brother!!

They'll show up for you eventually. I have faith.😃

 

Even the app has started advertising the pre-approvals now.😂PSX_20200425_173230.jpg

 

 

 



My most prized tradeline.
Message 11 of 98
Highlighted
New Member

Re: Redstone FCU Pre-approval emails and free FICO score

Anyone have any experience with the accuracy of the preapprovals? I've got some of the same offers on the app. I'm very much in a rebuilding phase but have good established credit over the last two years and have been with Redstone for about 20 years. I don't want to burn a HP. 

Message 12 of 98
Highlighted
Community Leader
Super Contributor

Re: Redstone FCU Pre-approval emails and free FICO score

@ALGuy 

I haven't tried them as yet. It's one HP on EX. And you have an unlimited supply of them. Lol

 

You never know unless you try!

With 20 years as a member. I'd say you have as good as a shot as anyone.

 



My most prized tradeline.
Message 13 of 98
Highlighted
Established Contributor

Re: Redstone FCU Pre-approval emails and free FICO score


@Gmood1 wrote:

Looks like Redstone is in full swing with Preapprovals! They seem to be aggressively pushing them now. Not the best rates, but not the worst either. Redstone is easy to work with. The free FICO score is also showing now. It took 3 months before pre-approvals and FICO score were displayed on the site.

FICO 9 EX is the scoring model used.

 

Redstone Preapprovals 1.pngRedstone preapprovals 2.pngRedstone Preapprovals 3.pngRedstone Scoring.png


Is there a loop hole for out of staters to join say joining a club or something?

Message 14 of 98
Highlighted
Community Leader
Super Contributor

Re: Redstone FCU Pre-approval emails and free FICO score

@bigpoppa09 

The loop hole is the Rural King Visa. Once approved, you get the membership with it.

 

I'm not sure if they're taking membership application presently. Outside of the Rural King apps.

https://www.ruralking.com/harvest



My most prized tradeline.
Message 15 of 98
Highlighted
Valued Member

Re: Redstone FCU Pre-approval emails and free FICO score

I apped for the Rural King card at RuralKing.com, the process was simple, no poi docs. 

 

Approved for 8k, they pulled Experian (758, 34 inqs, 4 new CU accts in 14 days and 4 new CC's in 14days).  Rural King "signs you up" for RedFCU, and pays your $5 savings deposit.  I believe all RK Harvest Visas are Signature Visa's with 5k min , but I have no actual proof.

 

Now for a good DP, one that could make this a FOTM contender.  After I received the Harvest Card I apped the unbranded RedFCU Signature, Denied, they have a messaging feature on the application page on the browser, unsure if this feature is available on mobile.  I messaged for a recon and they instantly replied, the CSR said it was declined due to a recent new acct with RedFCU (the RKVisa).  I asked if I could PC to the unbranded Visa Signature and it was granted!  Same 8k limit, 0% on purchases for 6 months, BUT also 0% on Balance Transfers with no BT Fee! Oh and they gave me an 8% interest rate!  By far my lowest APR on any card.

Message 16 of 98
Highlighted
Mega Contributor

Re: Redstone FCU Pre-approval emails and free FICO score


@MrPostmanFL wrote:

I apped for the Rural King card at RuralKing.com, the process was simple, no poi docs. 

 

Approved for 8k, they pulled Experian (758, 34 inqs, 4 new CU accts in 14 days and 4 new CC's in 14days).  Rural King "signs you up" for RedFCU, and pays your $5 savings deposit.  I believe all RK Harvest Visas are Signature Visa's with 5k min , but I have no actual proof.

 

Now for a good DP, one that could make this a FOTM contender.  After I received the Harvest Card I apped the unbranded AOD Signature, Denied, they have a messaging feature on the application page on the browser, unsure if this feature is available on mobile.  I messaged for a recon and they instantly replied, the CSR said it was declined due to a recent new acct with AOD  (the RKVisa).  I asked if I could PC to the unbranded Visa Signature and it was granted!  Same 8k limit, 0% on purchases for 6 months, BUT also 0% on Balance Transfers with no BT Fee! Oh and they have me an 8% interest rate!  By far my lowest APR on any card.


Congrats on your approvalSmiley Happy

Message 17 of 98
Highlighted
Super Contributor

Re: Redstone FCU Pre-approval emails and free FICO score

Congratulations on your approval! Thanks for sharing the data points.

Message 18 of 98
Highlighted
Community Leader
Super Contributor

Re: Redstone FCU Pre-approval emails and free FICO score


@MrPostmanFL wrote:

I apped for the Rural King card at RuralKing.com, the process was simple, no poi docs. 

 

Approved for 8k, they pulled Experian (758, 34 inqs, 4 new CU accts in 14 days and 4 new CC's in 14days).  Rural King "signs you up" for RedFCU, and pays your $5 savings deposit.  I believe all RK Harvest Visas are Signature Visa's with 5k min , but I have no actual proof.

 

Now for a good DP, one that could make this a FOTM contender.  After I received the Harvest Card I apped the unbranded AOD Signature, Denied, they have a messaging feature on the application page on the browser, unsure if this feature is available on mobile.  I messaged for a recon and they instantly replied, the CSR said it was declined due to a recent new acct with AOD  (the RKVisa).  I asked if I could PC to the unbranded Visa Signature and it was granted!  Same 8k limit, 0% on purchases for 6 months, BUT also 0% on Balance Transfers with no BT Fee! Oh and they have me an 8% interest rate!  By far my lowest APR on any card.


@MrPostmanFL 

Congrats on the Redstone approval!

I'm confused, did you mean the unbranded Redstone Visa? AOD is a totally different credit union.

 



My most prized tradeline.
Message 19 of 98
Highlighted
Valued Member

Re: Redstone FCU Pre-approval emails and free FICO score

 


@Gmood1 wrote:

@MrPostmanFL wrote:

I apped for the Rural King card at RuralKing.com, the process was simple, no poi docs. 

 

Approved for 8k, they pulled Experian (758, 34 inqs, 4 new CU accts in 14 days and 4 new CC's in 14days).  Rural King "signs you up" for RedFCU, and pays your $5 savings deposit.  I believe all RK Harvest Visas are Signature Visa's with 5k min , but I have no actual proof.

 

Now for a good DP, one that could make this a FOTM contender.  After I received the Harvest Card I apped the unbranded AOD Signature, Denied, they have a messaging feature on the application page on the browser, unsure if this feature is available on mobile.  I messaged for a recon and they instantly replied, the CSR said it was declined due to a recent new acct with AOD  (the RKVisa).  I asked if I could PC to the unbranded Visa Signature and it was granted!  Same 8k limit, 0% on purchases for 6 months, BUT also 0% on Balance Transfers with no BT Fee! Oh and they have me an 8% interest rate!  By far my lowest APR on any card.


@MrPostmanFL 

Congrats on the Redstone approval!

I'm confused, did you mean the unbranded Redstone Visa? AOD is a totally different credit union.

 



I was editing it when you replied!  I have AOD on the brain as well, but yest this was all about RedFCU.

Message 20 of 98
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.