cmerriott wrote:ok, well i believe the problem is that i applied individual. My income is 35000 a yr. Most of the credit is in my name with my husband as AU. But i have been working on his credit and it's getting better. The Navy Fed card i was able to get joint with him. There was no way for me to use his income like other apps. Soooooooo for some reason i couldn't just leave well enough alone...I put in another app...This time with him as joint applicant.....anddddddd....APPROVED...$15,500
Whoohoo!!! Congrats OP nice job! Also take advantage of the 1 pull for 90 days for multiple credit products 
cmerriott wrote:they pulled his equifax report. He has a 9 yr old bankruptcy, and like 2-3 collections about to fall off. Thats why i was hessitant to use him as joint, but i guess they overlooked it because of my report?
Wow, amazing! Congrats! It's funny that it took the combined income, but I do understand how penfed would view the high amount of available credit ~$110,000 when you have a $35k annual salary. If you put your total salary through your cards you would still only reach 32% utilization! Though it's amazing even with a bk they would approve an app. considering how sticky they are about these other things.
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