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02/17/2016
Product(s) approved and Limit(If approved for multiple products please include date if not immediate): Car loan, Cash rewards, Direct Deposit, Savings, Thrifty on feb/2016
EQ 08 Fico: 700
Penfed Nextgen: 698
Instant or Review?: Instant
POI?:
AAOA:
Derogs?: (If you have a BK please list type and discharge date!) No
Util: 12%
Total EQ Inquiries:
Last 12 months: 2
Last 6 months:0
New Accounts in last 12 months:3
Last 6 months:0
My 90 day period ending on 05/17
05/02/2016 - Applied for credit limit request and approved for $5k(Yet to show the updated credit limit in online, but confirmed in email and call to member services)
05/13/2016- Applied for Platinum rewards Visa Signature card online - Review Pending with Loan officer
Update on new card app - Denied (too many accounts showing balances, short period of time last credit was approved with Penfed, They still used the same old credit report for making this decision)
Fingers crossed. Will they just approve or deny the new visa siggy card app with same old 90 days pull or they go for new HP? any idea?
@GetMeSlick wrote:02/17/2016
Product(s) approved and Limit(If approved for multiple products please include date if not immediate): Car loan, Cash rewards, Direct Deposit, Savings, Thrifty on feb/2016
EQ 08 Fico: 700
Penfed Nextgen: 698Instant or Review?: Instant
POI?:
AAOA:
Derogs?: (If you have a BK please list type and discharge date!) NoUtil: 12%
Total EQ Inquiries:
Last 12 months: 2
Last 6 months:0
New Accounts in last 12 months:3
Last 6 months:0
My 90 day period ending on 05/17
05/02/2016 - Applied for credit limit request and approved for $5k(Yet to show the updated credit limit in online, but confirmed in email and call to member services)
05/13/2016- Applied for Platinum rewards Visa Signature card online - Review Pending with Loan officer
Update on new card app - Denied (too many accounts showing balances, short period of time last credit was approved with Penfed, They still used the same old credit report for making this decision)
Fingers crossed. Will they just approve or deny the new visa siggy card app with same old 90 days pull or they go for new HP? any idea?
Sorry to hear about new app but your earlier approvals from them are exceptional
Another great idea and an awesome helpful thread baller4life.
No PenFed for me just yet but very good data to chew on for when that time comes.
Product approved and Limit: Platinum Rewards Visa Signature $11.5k
EQ 08 Fico: 662
Penfed Nextgen: 645
Instant or Review: Instant
POI: None
AAOA: 2 yrs
Derogs?: 0
Util: 10%
Total EQ Inquiries: 54
Last 12 months: 22
Last 6 months: 19
New Accounts in last 12 months: way too many lol
Last 6 months: 6
Platinum visa rewards signature $12500
EQ 08 700
EQ next generation provided by Penfed at approval 703
instant approval
Derogatories 0
EQ inq 12
Aaoa about 2 years
utilization 5%
This is a great thread! Thanks to everyone who has contributed. I app'd back in Oct 2015 and got denied when I had two state tax liens which have been paid and released in Feb/March 2016.
Any thoughts if I could get approved if I app again? Is there more success to app online or calling in?
Thanks in advance.
@NYFan63 wrote:This is a great thread! Thanks to everyone who has contributed. I app'd back in Oct 2015 and got denied when I had two state tax liens which have been paid and released in Feb/March 2016.
Any thoughts if I could get approved if I app again? Is there more success to app online or calling in?
Thanks in advance.
So your EQ is clean now? What's your score? How many new accounts past 6 months? Year?
EQ shows BK7 DC'd Jan 2010, (2) State tax liens paid and released.
EQ score 666
New accounts past six months: PNC Mortgage Refi / BofA paid off; LC personal loan
New Accounts Twelve months: Add Cap1 Venture $20k (now $23k)
thanks Baller