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Pentagon Federal Credit Union Data Share

Valued Contributor

Re: Penfed Approvals Please Post Your Data For Others

Product approved and Limit: PenFed Platinum Rewards $5.5K, Car ReFi $16,675K (both apps went under review but not for more than 2 hours)
EQ Fico Score: 686
Penfed Nextgen Score: 690
AAOA: 5.2 years

Util: 12%
Derogs?: 6 late, No derogs or public records 
Total EQ Inquiries: 19

Last 12 months: 8

Last 6 months: 5
New Accounts in last 12 months: 6

Last 6 months: 5

Time Since Negative: 2.3 yrs

Oldest Acct 16.1 yrs

TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 31 of 4,999
Established Contributor

Re: Penfed Approvals Please Post Your Data For Others

baller4life wrote:


Derogs?: If you have a BK please list type and discharge date!

 




Hey Baller4life, Great compilation!


Your inclusion of Bankruptcy type 7 or 13, and Discharge Date will add lots of value for those of us in those subsets who desire to positively benefit from Pen Fed membership.


Thanks again!

 

 

Ch 13 Paid in Full.: 03/29/16
Ch 13 Discharged: 05/03/16
* waiting on Trustee's Final Report in the "mail"

03/17/16 Fico 8 Scores: EQ 546, TU 501, EX 548
05/05/16 Fico 8 Scores: EQ 553, TU 523, EX 548

05/03/16 Fico 8 Scores: EQ 546, TU 501, EX 548
09/01/16 Fico 8 Scores: EQ 662, TU 628, EX 657
10/04/16 Fico 8 Scores: EQ 692, TU 665, EX 686
01/15/17 Fico 8 Scores: EQ 706, TU 670, EX 687 * all Yellow / Good
Message 32 of 4,999
Valued Contributor

Re: Penfed Approvals Please Post Your Data For Others

Product approved and Limit: Platinum Rewards Card $20K, Cash Rewards Card $5K, Thrifty Credit $500, New Car Loan $45K
EQ Fico Score: 687
Penfed Nextgen Score: 749
AAOA: 3 years
Derogs?: None

Util: 14%

Total EQ Inquiries: 10

                Last 12 months: 10

                Last 6 months: 8
New Accounts in last 12 months: 18
                                 Last 6 months: 12

Message 33 of 4,999
Valued Contributor

Re: Penfed Approvals Please Post Your Data For Others

Product approved and Limit: Penfed Promise $10k EQ Fico Score: 718

Penfed Nextgen Score: 704

AAOA: 5 yrs

Derogs?: 2

Util: 4%

Total EQ Inquiries: 8

           Last 12 months: 0

           Last 6 months: 2

New Accounts in last 12 months: 2                                 

Last 6 months: 2

 

Product approved and Limit: Platinum Rewards Visa Signature $10k

EQ Fico Score: 710

Penfed Nextgen Score: 700

AAOA: 5 yrs

Derogs?: 2

Util: 2%

Total EQ Inquiries: 9

           Last 12 months: 2

           Last 6 months: 2

New Accounts in last 12 months: 8                                

Last 6 months: 8

 

Product approved and Limit: PLOC $5k

EQ Fico Score: 710

Penfed Nextgen Score: 700

AAOA: 5 yrs

Derogs?: 2

Util: 2%

Total EQ Inquiries: 9

           Last 12 months: 3

           Last 6 months: 3

New Accounts in last 12 months: 9                                

Last 6 months: 9

Gardening since 7/13/17
Discover $35k | AMEX SPG $50k | Lowes $35k | PenFed Promise $43k | NFCU CashRewards $25k |Cap One QS Plat $19k | RBFCU Premier Rate MC $12.5k | J.Crew $26.5k
PLOC: RBFCU $20k | PenFed $25k | Navy CLOC $15k
TU:746 EQ:729 EX:758
Message 34 of 4,999
Contributor

Re: Penfed Approvals Please Post Your Data For Others

Any data or feedback on how they treat applicants that only have self- employed income?
Message 35 of 4,999
Community Leader
Super Contributor

Re: Penfed Approvals Please Post Your Data For Others


longclimbback wrote:
Any data or feedback on how they treat applicants that only have self- employed income?

I don't personally know because I was instantly approved. But, that would be great info for others to add. I will include poi in data. Thank you! Smiley Happy

Message 36 of 4,999
Regular Contributor

Re: Penfed Approvals Please Post Your Data For Others

Product(s) approved and Limit: Platinum Signature Rewards Visa $43K, PLOC $15K, Auto Loan $64K
EQ 08 Fico: 811
Penfed Nextgen: 841

Instant or Review: Instant (In-Person at local PenFed branch @ Pentagon City)

AAOA: 12 years
Derogs?: None

Util: 2%

Total EQ Inquiries:

                Last 12 months: 7

                Last 6 months: 5
New Accounts in last 12 months: 8
                                 Last 6 months: 5


EX08 801 EQ08 812 TU08 805 Total Credit Line: $100K+
Message 37 of 4,999
Established Member

Re: Penfed Approvals Please Post Your Data For Others

Product(s) approved and Limit: Promise Visa: $4k
EQ 08 Fico: No idea, but EX FICO as of April 6 was 738
Penfed Nextgen: 768
AAOA: 6 years
Derogs?: 1 unpaid collection under $100

Util: 30%

Total EQ Inquiries:

                Last 12 months: 1

                Last 6 months: 0
New Accounts in last 12 months: 2
                                 Last 6 months: 0

Message 38 of 4,999
Community Leader
Super Contributor

Re: Penfed Approval Guide Please Post Your Data For Others

I applied in July, 2015 (edited to add this) 

Product(s) approved and Limit: PenFed Platinum Rewards-10k (now 17k); PenFed Promise-10k (now 14k); PLOC (acquired when I asked for cli's)
EQ 08 Fico: 768 at the time. 
Penfed Nextgen: If I remember correctly something like 756.
Instant or Review?: Instant
AAOA: 7 years, I think; Now it is 3.
Derogs?: (If you have a BK please list type and discharge date!); One showing is a 30 day late that is over two years old. Chapter 13 already off my reports.
Util: 11%
Total EQ Inquiries: Then 4; Now 17 (8 from car shopping)
Last 12 months: 11
Last 6 months:3
New Accounts in last 12 months: 16
Last 6 months: 3


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover; NASA Platinum Cash Rewards. EQ: 763 TU: 737 EX: 787
Message 39 of 4,999
Valued Contributor

Re: Penfed Approvals Please Post Your Data For Others

Promise approved 1/25/16 (Instant) 2.5K and Defender approved 1/27/16 (Review) 5K

Fico 8 EQ score - 693

Penfed ng score - 680

AAOA - 2.8 years

Chapter 7 d/c 7/14

Inquiries - EQ 11

New Accounts - 7 credit cards (last 12 mos.)

CLI attempted - 30 days after initial approvals (Denied - Egyptian)

CLI attempted - 5/3/16 (Denied) Too many new accounts (including Penfed's - but not an Egyptian anymore Smiley Wink)

 

Message 40 of 4,999