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danielodonoll
Posts: 401
Registered: ‎03-16-2013
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Re: PenFed askd for paystubs after app

Thank you Lexie.Thats love :smileyhappy:

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
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danielodonoll
Posts: 401
Registered: ‎03-16-2013
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Re: PenFed askd for paystubs after app

thanks TNT

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
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Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
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Re: PenFed askd for paystubs after app


danielodonoll wrote:

thanks TNT


No problem.  I've been a member with them since 11/11, and I was declined then (naturally, as scores were way lower), and then again in 7/12 when I did qualify for a refi on my car (went from 9.2% interest to 1.9%).  However, they still declined me for a card with them (score at that time was 701).  

 

I'm in much better shape now as far as new accounts/utilization go, and I am still waiting/hoping to get that preapproval for one of their cards.  It's the one thing right now that would get me out of the garden. 


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Regular Contributor
Sevenfeet
Posts: 166
Registered: ‎02-06-2013
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Re: PenFed askd for paystubs after app

I'd say that the odds look good.  I don't think they would have asked for the pay stubs if you hadn't made it past the initial examination based upon what they found in the Equifax hard pull.  Penfed needs more concrete proof for applications than most lenders (I had to proffer the same documents when I applied).  I was approved a few days later.


.......NPSL..…..…$28K….....….$25K.............$20K..............$20K..............$20K..….......$9.5K…........$7.5K.…........$9K..............$4.5K
New Contributor
danielodonoll
Posts: 401
Registered: ‎03-16-2013
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Re: PenFed askd for paystubs after app

Cool thanks Tall guy.lol:smileyvery-happy:

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
Garden Time Day- 10
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flowfaster
Posts: 787
Registered: ‎08-30-2011
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Re: PenFed askd for paystubs after app

whats the word?

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
New Contributor
danielodonoll
Posts: 401
Registered: ‎03-16-2013
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Re: PenFed askd for paystubs after app

Nothing yet still pending.I sent the stubs 4 days ago

What taking so long?

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
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Super Contributor
Ron1
Posts: 5,477
Registered: ‎05-23-2009
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Re: PenFed askd for paystubs after app

[ Edited ]

danielodonoll wrote:

Nothing yet still pending.I sent the stubs 4 days ago

What taking so long?


According to CSR, they're are very busy. They're also taking care of other loans like mortgages, auto loans etc. Your apps is wating in line. :smileyhappy: Mine took four to five days to recon.

 

 

Ron.

Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
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Re: PenFed askd for paystubs after app

Yes, they are not always the quickest and some things seem to get stuck in queues for longer than you expect.

 

When I asked for my card to be changed to chip&pin, there was no movement for a long time, before being told that they needed an answer from me (to a question that they hadn't asked).  Then everything got lost and I had to go through the whole cycle again.   But eventually, it works!

 

 

New Contributor
danielodonoll
Posts: 401
Registered: ‎03-16-2013
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Re: PenFed asked for paystubs after app

[ Edited ]

I mean no rush or anything but its just that it drive me crazy when i deal with this pending things specially when they tell you 24/48 hrs callback

Should i give them a call at this point or that's probably gonna spook them away

Citi Bank X2/ 29k-USAA Amex/Mastercard 24k-PP Mastercard 20k_
WMDiscover 20k-PenFed X2/15k
Current Fico/EQ-765
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