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I currently have a credit card and autoloan with penfed wich i opened 6 months ago
I went on the spree 4 days ago and requested a second card from Penfed-American Express card and was recomended for 8.5k
Now they asking for the paystubs.
Is this bad or is it looking like is going through?
They probably wouldn't be asking for documents if they were going to deny you. I would give them a call or just fax in the docs.
i already send in the documents yesterday lets hope will go through
Keep checking the app status link for "approved" or "transferred". That means your good.
Good Luck!
@Anonymous wrote:I currently have a credit card and autoloan with penfed wich i opened 6 months ago
I went on the spree 4 days ago and requested a second card from Penfed-American Express card and was recomended for 8.5k
Now they asking for the paystubs.
Is this bad or is it looking like is going through?
My guess is, and it's only a guess, they want to see what your income is, to support the credit lines/increases you've gotten. Whether that means approval or denial, you'll know soon enough, again a guess that later today or tomorrow you'll be able to get a decision, depending on how busy their underwriters are.
I will keep everyone posted just in case it says...Approved
I dont like this delays though since i am already an existing costumer and i have used havy the card and alwsy paid in full for 6 months now
By the way the credit score they use was at 811
@Anonymous wrote:I will keep everyone posted just in case it says...Approved
I dont like this delays though since i am already an existing costumer and i have used havy the card and alwsy paid in full for 6 months now
By the way the credit score they use was at 811
811 for what pull? TU? EQ? EX? Based on the scores in your signature, looks like you got the latest/greatest version from whatever! Congrats on that!
Equifax
P.O. BOX 740241
ATLANTA, GA 30374
PH: 1-800-685-1111
We also obtained your credit score from this consumer reporting agency and used it in making our credit
decision. Your credit score is a number that reflects the information in your consumer report. Your credit score
can change, depending on how the information in your consumer report changes.
Your Credit score: 811
Apparently they are using their internal score.
@Anonymous wrote:Equifax
P.O. BOX 740241
ATLANTA, GA 30374
PH: 1-800-685-1111
We also obtained your credit score from this consumer reporting agency and used it in making our credit
decision. Your credit score is a number that reflects the information in your consumer report. Your credit score
can change, depending on how the information in your consumer report changes.
Your Credit score: 811
Apparently they are using their internal score.
PenFed uses the FICO Next Gen score (Equifax's version is the Pinnacle 2.0). The score range is 150-950, and it looks more heavily at revolving debt, if I recall correctly.