So I applied for a savings account with DCU, planning on doing checking too, but reading some threads from a few years ago I'm seeing that they actually do a credit pull, I didn't see this anywhere when applying, and my current CU definitely only checkec chec systems, so I wasn't expecting that.
Does anyone know if the 620 score is still required? I read good things about them and wanted to start a relationship, but apparently I may have wasted a HP for nothing 
I have unpaid collections that haven't been deleted yet, but no BK.
It's a soft pull for membership, checking and savings. They pull EQ5. If you're eligible they might offer a soft pull CC at sign up.
I'm not sure what is the FICO score minimum.
Did you get a hard pull for membership?
I'm not sure what is the FICO score minimum.
Did you get a hard pull for membership?
No HP as of yet. That's a relief! I don't think I'll qualify for any of their credit products right now, but that's good to know!
Even so, I'm just trying to get in with them for a car loan sometime in the next 7~10 months. Thanks for the response though! That's a relief. Will update if for some reason it ends up as a HP
Even so, I'm just trying to get in with them for a car loan sometime in the next 7~10 months. Thanks for the response though! That's a relief. Will update if for some reason it ends up as a HP
You should be safe then. I don't recall reading any data points that DCU will hard pull for membership.
Glad you'll be a member. Beside car loans, they have a great 6.17% APY up to $1,000 on savings.
I thought I had read that! That's great. I read they direct deposit a day early which is a neat perk too. Will update if I end up getting approved, if not, I'll reapply when my collections get deleted in the next 45 days~
Thanks again
Thanks again
Good luck with collection deletion.
You're welcome. 😃
You're welcome. 😃
Update: Spoke with CSR, apparently the minimum score is 580. I'm just below that, but expect to be past it when my other cards start reporting. She said I was asked for additional documents so that's a good sign, and if I am denied just apply again next month. So that's promising! 
Thanks for the data point.
Hope they'll let you sqeeze in today instead of waiting a month.
Hope they'll let you sqeeze in today instead of waiting a month.
I'm in! Score. 
Will be setting up checking account right away.
Congratulations on your membership!
You get free monthly FICO EQ 5 scores too.
You get free monthly FICO EQ 5 scores too.