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Pentagon Federal Credit Union Data Share

Established Contributor

Re: Penfed Approvals Please Post Your Data For Others

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? Smiley Frustrated 

8/14/2017 FICO TU-812|EX - 808|EQ -806
Total Credit - $201.4K

Starting Score: 640
Current Score: 805
Goal Score: 850


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Message 61 of 4,999
Community Leader
Super Contributor

Re: Penfed Approval Guide Please Post Your Data For Others

GetmeSlick they should use the same hp you are still under 90 days.
Message 62 of 4,999
Super Contributor

Re: Penfed Approvals Please Post Your Data For Others


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: 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? Smiley Frustrated 


Sorry to hear about new app  but your earlier approvals from them are exceptional

EX FICO 731 EQ FICO 710 TU FICO 729 ***Total Credit Limits: $1,064,050 What am I doing, I'm a credit millionaire. It ain't real.
Message 63 of 4,999
Super Contributor

Re: Penfed Approvals Please Post Your Data For Others

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.

Message 64 of 4,999
Valued Contributor

Re: Penfed Approvals Please Post Your Data For Others

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

Previous Scores 02/29/2016: TU FICO: 752 | EQ FICO: 710 | EX FICO: 721
Curent Scores 03/27/2016: TU FICO: 754 | EQ FICO: 713 | EX FICO: 725
Lowes $35K | Walmart $25K | Stash Visa $25K | NFCU CashRewards $22K | NFCU LOC $15K | PenFed Visa $15K | |Total CL: $181,700
Headed to the garden: 10/2017

Message 65 of 4,999
Frequent Contributor

Re: Penfed Approvals Please Post Your Data For Others

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%

 

Message 66 of 4,999
Established Contributor

Re: Penfed Approvals Please Post Your Data For Others

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. 

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 67 of 4,999
Community Leader
Super Contributor

Re: Penfed Approvals Please Post Your Data For Others


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?

Message 68 of 4,999
Established Contributor

Re: Penfed Approvals Please Post Your Data For Others

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 

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 69 of 4,999
Community Leader
Super Contributor

Re: Penfed Approval Guide Please Post Your Data For Others

NY I say you're close. Real close. You could probably get an approval on recon if not instantly approved for a card. Do you have an EQ inq to spare to test the waters?
Message 70 of 4,999