Pentagon Federal Credit Union Data Share

[Anonymous]

Wow. I'm pretty sure you're the only one we've seen here that's over 800 with baddies. The rest of your file must be thick and long.

[CribDuchess]

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@Anonymous wrote:

Wow. I'm pretty sure you're the only one we've seen here that's over 800 with baddies. The rest of your file must be thick and long.

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Yeah, pretty thick and long.  Oldest accounts date back to 1989.  Have a mortgage loan reporting for over 20 years now.  Another mortgage loan still reporting that's paid in full.  A couple of car loans, one paid off about 9 years ago.

That being said, I'm definitely looking forward to having that last late drop off in about 7 months.  It will be interesting to see how much my scores increase, if at all.

[Anonymous]

Product approved and Limit: Platinum Rewards Visa Signature 6k

EQ08 FICO: 693

NG2 FICO: 708

Instant or Review: Review(and the official decision upon review was made on the 4th, which really surprised me)

POI: None

AAOA: 8 months(maybe a new low)

Derogs?: None

Utilization: 9%(on EQ report... my true until is much lower now due to new accounts).

Total EQ Inquiries: 7

                Last 12 months: 6

                Last 6 months: 4

New accounts Last 12 months(per pulled report): 6

                          Last 6 months(per pulled report): 4

[Anonymous]

Where do you go to get your nextgen score?

[Anonymous]

Just want to add an data point:

I applied for the Penfed Plat. Rewards on 5/12 and was approved for $5000. Sunday morning I applied for a credit line increase and it went straight to review. I got an alert this morning that they pulled an new report. So it's possible to get an new pull even within the 90 day window. My nexgen score in may was 662 and my nexgen score now is 645.

[baller4life]

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@Anonymous wrote:

Where do you go to get your nextgen score?

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Check under Messages. You should receive something called Risk Based Lending.

[baller4life]

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@Anonymous wrote:

Just want to add an data point:

I applied for the Penfed Plat. Rewards on 5/12 and was approved for $5000. Sunday morning I applied for a credit line increase and it went straight to review. I got an alert this morning that they pulled an new report. So it's possible to get an new pull even within the 90 day window. My nexgen score in may was 662 and my nexgen score now is 645.

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Thanks for sharing your experience. The 90 day rule is YMMV obviously.  

[baller4life]

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@Anonymous wrote:

Product approved and Limit: Platinum Rewards Visa Signature 6k

EQ08 FICO: 693

NG2 FICO: 708

Instant or Review: Review(and the official decision upon review was made on the 4th, which really surprised me)

POI: None

AAOA: 8 months(maybe a new low)

Derogs?: None

Utilization: 9%(on EQ report... my true until is much lower now due to new accounts).

Total EQ Inquiries: 7

                Last 12 months: 6

                Last 6 months: 4

New accounts Last 12 months(per pulled report): 6

                          Last 6 months(per pulled report): 4

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Nice approval on the 4th of July!

[Anonymous]

Product(s) approved and Limit----- Promise 5k
EQ 08 Fico:  691
Penfed Nextgen:  680 

Instant or Review?:   Review, denial, recon, denial, review approved.  

POI? None

AAOA:  5.2 years (oldest account 16.9 years)
Derogs?:   7 CO's (2 still will balances) from 2010-2011,  Repo with Judegement to match from Jan 2012 (0 balance)

Util:  7%

Total EQ Inquiries:

                Last 12 months:  6

                Last 6 months:  4
New Accounts in last 12 months:   6
                                 Last 6 months: 2

I had to recon 3 times to get the approval.   But I got it. LOL   

[baller4life]

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@Anonymous wrote:

Product(s) approved and Limit----- Promise 5k
EQ 08 Fico:  691
Penfed Nextgen:  680 

Instant or Review?:   Review, denial, recon, denial, review approved.  

POI? None

AAOA:  5.2 years (oldest account 16.9 years)
Derogs?:   7 CO's (2 still will balances) from 2010-2011,  Repo with Judegement to match from Jan 2012 (0 balance)

Util:  7%

Total EQ Inquiries:

                Last 12 months:  6

                Last 6 months:  4
New Accounts in last 12 months:   6
                                 Last 6 months: 2

I had to recon 3 times to get the approval.   But I got it. LOL   

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Haha WTG!!! Your persistence paid off! Great job!