Mar 23 • Wins & Stories 🎉
DCU Approval After 3 Rejections (Data Point)
After 3 instant rejections, I finally got approved with DCU, so sharing exactly what happened in case it helps someone.
First 3 attempts:
- Tried different browsers (Chrome, Firefox, Safari — both desktop and phone)
- Tried linking a bank account and also paying with card
- All got instantly declined with “unable to verify identity”
- Also had weird issues with date fields in the application form
4th attempt (the one that worked):
- Application didn’t get instantly rejected
- I used the proxy method from the premium classroom instead of Tello roaming (not 100% sure if that’s what made the difference, but it’s the only real change)
- No issues with the date fields this time
After submission:
- Application stayed pending for ~3 weeks
- They rejected my initial address proof (insurance + phone bill didn’t work)
- Waited for a card statement → submitted → approved
Important note on addresses:
- I entered both a home address and a different mailing address
- This clearly confused the underwriter and caused back-and-forth messages
- If I were to redo it, I would NOT include a separate mailing address in the application
Not a smooth process at all, but it’s doable.
If anyone needs a referral link, DM me.
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DCU Approval After 3 Rejections (Data Point)
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