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I currently have a good relationship with Alliant and have my SUV financed with them and a Personal Loan. I was wondering if I would have problems getting up with Penfed to, or will they Bulk at the fact that I am with the other. I am wanting to finance a second auto and think that Alliant will bulk on that since I just goot the refinance and a personal loan in the last 2 months of being with them.
I have a score in the upper 600 range.....
I am Self-Employed and have all my tax returns but with Alliant have not had to prove income.... How is Penfed with the proving income?
Thanks to all!!!!
My scores are mid 700's. I was a PenFed member for over a year when I apped for their CC. I am self employed. I had 3 inq's on EQ at the time.
Denied for "Pyramiding Credit"
BTW . . . Alliant will pull a hard any time you apply for credit. Even if it has only been a few days since your last pull.
@haulingthescoreup wrote:
We have another member here (my brain has completely spaced on the name) who is self-employed and can't get anywhere with PenFed.
I don't think your chances are very good.
eta: sorry, coffee still kicking in. Maybe an auto loan, although I'm not very sure about that. They're taking really hard looks at new members now.Message Edited by haulingthescoreup on 06-11-2009 03:39 AM
Thinking of me, Hauling?
OP, do a search for my name and PenFed and see whatcha turn up.
Thanks for all the info.... I think i will just stick with Alliant since they have been very helpful and hope they will do a second auto loan...
With Alliant you can use your pulled score for 30 days per the Senior Loan Officer I have been going through. My brother was also told that when he was looking for a car. They told him to try and find one within 30 days so another pull would not have to be done...
Thanks to alll!!!!
Well I went ahead and called up the loan officer I have delt with since opening the account with them and got a pre approval for $50,000 @ 5.9 APR on a second car loan ( he even said if I need more just give a call to him) with them and that is with a score of 645 (Fico) This makes three loans with them in 3 moths so I must say Jaguar dealer here I come Monday........ I have not had to verify my income and they know I am Self-Employed. I love this place cause any bank I know would have laughed at a $7000 unsecured Personal Loan with a score of 632 at the time. The loan officer said to wait another three months and he would give me a good Credit Card so I can close some of these high fee cards I have. I do have a good income so that must play a large role in my approvals but I am shocked they dont want me to verify with a low 600 score like i have but i guess this is why there is so much talk about Alliant these days. I have my brother going with them now......
ALLIANT ROCKS!!!!!
@Anonymous wrote:@Anonymous I went ahead and called up the loan officer I have delt with since opening the account with them and got a pre approval for $50,000 @ 5.9 APR on a second car loan ( he even said if I need more just give a call to him) with them and that is with a score of 645 (Fico) This makes three loans with them in 3 moths so I must say Jaguar dealer here I come Monday........ I have not had to verify my income and they know I am Self-Employed. I love this place cause any bank I know would have laughed at a $7000 unsecured Personal Loan with a score of 632 at the time. The loan officer said to wait another three months and he would give me a good Credit Card so I can close some of these high fee cards I have. I do have a good income so that must play a large role in my approvals but I am shocked they dont want me to verify with a low 600 score like i have but i guess this is why there is so much talk about Alliant these days. I have my brother going with them now......
ALLIANT ROCKS!!!!!
Congrats on your new car!
I'm an Alliant Cheerleader myself!! GOOoooo Alliant!!!