04-02-2013 05:49 AM
Anyone been approved for their credit cards with scores below 700?? If so what was your score when approved? Any baddies? What card did you get approved for?
I have been a member of Penfed since 2008. Approved at the time for membership only my score was still in the high 500's at the time. Now my EQ score is 685 and I have been approved for Discover IT, AMEX BCE, NFCU (14k CR and 7KPL and Navchek 10K), BOA 321.
04-02-2013 05:55 AM
Go there. Search by name. Penfed. This will give you different scores people apped with and their results. Just browsing, there were some that got approved with lower scores.
04-02-2013 06:20 AM
thanks I have my stubs ready...just briefly browsing the thread It seems like you need at least 700 but there were a few 680's that got through with paid derogs ( a lot of high 700's got denied). I may go for it after my Discover balance updates to $0. Being that CITI hates me, a Penfed is the last card I want.
04-02-2013 06:21 AM
04-02-2013 07:44 AM
That thread has many old approvals... Great info, but not extremely helpful in today's economy. Is there a place where we may be able to find more recent Penfed approvals?
Im itching for that Penfed Promise Visa myself. Looks like they want you to have 750+!!
I was approved with a 734 for PenFed Cash Rewards with a 20,000 limit.
04-02-2013 10:44 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.