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Hello Fellow Fico Fans! First post here after lurking a looooooooong time. I wanted to thank all who have posted on this super cool site, I have learned much from all of you. I am just completing my first year of rebuild after a few years out of the credit game and today on my second attempt was approved at pen fed! Got 5000 SL with a Fico 8 Equifax of 663, they did not send the email with Nexgen score yet but last time it was 28 points higher than the Fico 8. 7 inq last six months 12 in last 12.
This post is not about the approval but really about saying thanks for what I have learned on here and how it has helped me to make some good choices. A milestone today, closed Credit One this morning, approved Pen Fed this afternoon. Good Luck to all !
Congratulations on your approval and decent starting limit. Curious, what type of APR did you get?
I got 17.99, not suprised have some derogs. Just happy to be in! Thank you
Welcome to the forum an especially welcome to the PenFed family. You are welcomed by both. Congrats. 🎉🎊🎈🍾
Thank you Miesterbro!
@Lowapr wrote:Hello Fellow Fico Fans! First post here after lurking a looooooooong time. I wanted to thank all who have posted on this super cool site, I have learned much from all of you. I am just completing my first year of rebuild after a few years out of the credit game and today on my second attempt was approved at pen fed! Got 5000 SL with a Fico 8 Equifax of 663, they did not send the email with Nexgen score yet but last time it was 28 points higher than the Fico 8. 7 inq last six months 12 in last 12.
This post is not about the approval but really about saying thanks for what I have learned on here and how it has helped me to make some good choices. A milestone today, closed Credit One this morning, approved Pen Fed this afternoon. Good Luck to all !
Congrats and welcome to the PenFed family!
and moreover congrats on ditching the scumbags at CreditOne
Pen Fed is awesome! This account was approved off the same pull from 88 days ago when I was denied. No HP. Time to use and pay and let it grow.
Welcome and congrats. I too was recently approved at the 17.99 rate. All good though. Just happy to be in with them.
Congratulations and welcome!!!