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Pentagon Federal Credit Union Data Share

Established Member

Re: Penfed Approvals Please Post Your Data For Others

Product(s) approved and Limit(If approved for multiple products please include date if not immediate) Denied for Promise
EQ 08 Fico:  667

Instant or Review?: Instant

POI?(If yes, what type of proof of income)

AAOA: 1 year
Derogs?: (If you have a BK please list type and discharge date!) 30 day later from 5 years ago

Util: 18%

Total EQ Inquiries:

                Last 12 months: 3

                Last 6 months: 3
New Accounts in last 12 months: 5
                                 Last 6 months: 4

Message 4991 of 4,999
Frequent Contributor

Re: Pentagon Federal Credit Union Data Share

@somewhere you can always ask them and they will pull a new CR.
FICO8
5/17 EX 550 EQ 560 TU 555
11/17 EX 722 EQ 720 TU 746
Penfed promise 9K- Penfed PCR 1k - NFCU Cash Rewards 500 -NFCU CLOC 7.5k - NFCU Auto loan 22K - Walmart 10k- Dicks Rewards 10k- Credit One 500- PayPal2% MC 2K- Stash Hotel’s Visa 7.9K -Cheapo Air Visa 2.4k - Williams Sonoma 2.6k - Boscovs 4k -SPGV 4.5K - Amazon 10K- VS(FTW)1k - Fingerhut 1.3K- BP VISA 1K - Indigo 300
WAY TOO MANY INQ's
NO. MORE. APPS. NEED. GARDEN
Message 4992 of 4,999
Established Contributor

Re: Pentagon Federal Credit Union Data Share


Chefduane wrote:
Soft pull EQ the end of November. Scores and preapprovals available early January

Looks like I'll have to wait another month, then. I don't know what they soft-pulled on EQ for my CLI on PCR last month; the most recent one I have, from September, was 680 on EQ FICO 9.

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 12/1/17:TU 663/EX 697/EQ 688 FICO 8 (Aug 2017) or 680 FICO 9 (Penfed Sep 2017), VS 3.0 12/1/17: TU 699/EX 687/EQ 693. $33.2K revolving credit as of 11/7/17; $951 Cap One secured Platinum MC, $2000 Apple FCU Platinum Visa, $3500 Amazon Prime Store Card, $3500 Walmart Store Card, $3500 Cap One Quicksilver MC, $4000 Care Credit, $4300 Overstock Store Card, $4500 Discover It, $7000 Penfed Power Cash Rewards Visa, $10k PenFed used car loan, $5k Navient student loan. In the garden again from 10/26/17 for at least the next 3 months unless I get a really really good preapproval.
Message 4993 of 4,999
Valued Member

Re: Pentagon Federal Credit Union Data Share

Product approved and Limit: Promise Visa - $14,500 
EQ 08 Fico: 662
Penfed Nextgen: 718 (possibly FICO 9)

Instant or Review: Instant

POI: None

AAOA: 3.2 yrs
Derogs?: IRS tax lien - $302,000 settled but still on credit reports

Util: 6%

Total EQ Inquiries: 2

           Last 12 months: 1

           Last 6 months: 1

New Accounts in last 12 months: 3
                                 Last 6 months: 3

8/20/17 FICO 8: EQ 663; EX 644; TU 643
12/1/17 FICO 8: EQ 750; EX 698; TU 689
Message 4994 of 4,999
Established Member

Re: Pentagon Federal Credit Union Data Share

I have 4 cards with Penfed already and would like another one to transfer my bank card balances onto and lower my utility. I've been DENIED because my gardening skills are not good😭😞! I have just done my very first recon letter. Fingers crossed. If I get it, I promise to be a good little gardener.



,


FICO 8 09/15/2017 TU 701, EQ 686, EXP 675 AAoA 1.3 years
World's Worst Gardener
Message 4995 of 4,999
Contributor

Re: Pentagon Federal Credit Union Data Share

Ever since opening my PenFed accounts in Jan/Feb of this year...I'm not expecting any pre-approvals...which is fine...though I wouldn't mind a CLI on the powercash card

Message 4996 of 4,999
Valued Contributor

Re: Pentagon Federal Credit Union Data Share

Question: for 50k total exposure limit Penfed allows does the LOC add to the total? For instance I have a $26k Promise card with a $10k LOC. Does that mean if I were to ask a for CLI or another card the is max allowed $14k or $24k?

FICO 08 Scores (Oct-17): TU 810, EQ 813, EX 813

Message 4997 of 4,999
Established Member

Re: Pentagon Federal Credit Union Data Share

Quick follow up: I got the dreaded "CC RECONSIDERED; ORG DEC UNCHANGED"!! 😱😭😭😭😭🍼



,


FICO 8 09/15/2017 TU 701, EQ 686, EXP 675 AAoA 1.3 years
World's Worst Gardener
Message 4998 of 4,999
Regular Contributor

Re: Pentagon Federal Credit Union Data Share

Product approved: Used car loan -$45,000 
EQ 08 Fico: 725
Penfed Fico 9: 765 

Instant or Review: 1 day approval after LO review

POI: None

AAOA1.2
Derogs?: none

Util: 4%

Total EQ Inquiries: 4

           Last 12 months: 4

           Last 6 months: 1

New Accounts in last 12 months: 8
                                 Last 6 months: 4

10/4/17 EQ-725 TU-751 EX-724 From $900 available credit to $101,200 in 9 months. It's been a fun ...
Message 4999 of 4,999