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Bumping
Any recent updates
I just joined on the 25th wondering about recent results.
Thxs in advance
- What did you App for (CC, Auto...)? Platinum Rewards CC
- Approved or Declined? Approved
- Date of app? May 16th
- EQ FICO at app? 794
- # of Inquiries at app? 4
- Any Derogs at app: 0
- Oldest Account Age? 11.9
- Newest Account Age? 1.4
- AAoA at app? 7.8
- Highest CL at app? 18,000
- EQ Utilization Percentage? 1%
- Requested CL? Gave me 9500
- Instant Approval, LO Review or Decline? Instant Approval
- Income Verification Required? no
- Any Counter Offer from PenFed? no
- If declined, reason given? no
- Any comments you think helpful? Also gave me instant approval for refi on my wife car loan. i'm co-signer at 2.49%
- What did you App for (CC, Auto...)? Visa Gold
- Approved or Declined? Approved
- Date of app? 5-21-11
- EQ FICO at app? 681
- # of Inquiries at app? 5 - 2 years
- Any Derogs at app: 1- 6 years old
- Oldest Account Age? 11.5 years
- Newest Account Age? 0 months
- AAoA at app? 3.4
- Highest CL at app? 4900.00 (Hooters)
- EQ Utilization Percentage? 34%
- Requested CL? Didn't request
- Instant Approval, LO Review or Decline? Instant
- Income Verification Required? No
- Any Counter Offer from PenFed? 4000.00
- If declined, reason given?
- Any comments you think helpful?
- What did you App for (CC, Auto...)? Visa Platinum Rewards
- Approved or Declined? Approved (per application status on website)
- Date of app? 02-09-2019
- EQ FICO at app? 701 (based on mortgage lender pull in December)
- # of Inquiries at app? 12 - 2 years
- Any Derogs at app: 7- 3.5+ years old (no outstanding bad debt in 3.5+ years, no charge offs ever, just some 30/60 day lates a few years back)
- Oldest Account Age? 18.7 years
- Newest Account Age? 11 months
- AAoA at app? 7.3
- Highest CL at app? 6000.00 (Elan Visa), AMEX Zync NPSL - Have posted $10k+ in charges a few months which shows on report also.
- EQ Utilization Percentage? 8%
- Requested CL? Didn't request
- Instant Approval, LO Review or Decline? Instant (per website application status)
- Income Verification Required? No
- Any Counter Offer from PenFed? 20,000
- If declined, reason given?
- Any comments you think helpful? Will follow up with more info when available or if they request additional information from me. Also approved for auto refinance at 1.99%.
Starting Score: 594 (Dec 10, 2010)
Score: 758 (March, 2013
Goal Score: 730 on all (by end of 2012)
Take the FICO Fitness Challenge
- What did you App for (CC, Auto...)? Visa Classic
- Approved or Declined? Declined (per application status on website)
- Date of app? 02-15-2012
- EQ FICO at app? 663
- # of Inquiries at app? 2 in 2 years
- Any Derogs at app: 1 Charged-off account in 2006, still unpaid
- Oldest Account Age? 7 years
- Newest Account Age? 10 months
- AAoA at app? 4 years
- Highest CL at app? 0
- EQ Utilization Percentage? N/A
- Requested CL? N/A
- Instant Approval, LO Review or Decline? Instant (per website application status)
- Income Verification Required? They didn't bothered. No
- Any Counter Offer from PenFed? "Hey, is that an exit?"
- If declined, reason given? Past or present delinquencies, Lenght of time accounts established, proportion of balance to limit too high (Huh?)
- Any comments you think helpful? Waste of inquiry, didn't know why they declined my app.
@Viktor wrote:- What did you App for (CC, Auto...)? Visa Classic
- Approved or Declined? Declined (per application status on website)
- Date of app? 02-15-2012
- EQ FICO at app? 663
- # of Inquiries at app? 2 in 2 years
- Any Derogs at app: 1 Charged-off account in 2006, still unpaid
- Oldest Account Age? 7 years
- Newest Account Age? 10 months
- AAoA at app? 4 years
- Highest CL at app? 0
- EQ Utilization Percentage? N/A
- Requested CL? N/A
- Instant Approval, LO Review or Decline? Instant (per website application status)
- Income Verification Required? They didn't bothered. No
- Any Counter Offer from PenFed? "Hey, is that an exit?"
- If declined, reason given? Past or present delinquencies, Lenght of time accounts established, proportion of balance to limit too high (Huh?)
- Any comments you think helpful? Waste of inquiry, didn't know why they declined my app.
Sorry for the bad news. Check the reasons they include in the AA response letter, Pen Fed is typically intolerant of unpaid COs of any age, they're one of the most conservative CU. It took me 3 or 4 apps over a few years to land an approval IIRC (ans that's with no major derogs) Once brush up profile, it may be worth the time to try again.
What did you App for (CC, Auto...)? Promise Visa
- Approved or Declined? Approved! $5000 CL
- Date of app? 06/18/12
- EQ FICO at app? 760 (Penfed pulled a 789 with their scoring model)
- # of Inquiries at app? 11 - 2 years
- Any Derogs at app: 0
- Oldest Account Age? 23 years
- Newest Account Age? 8.0 months
- AAoA at app? 5.5
- Highest CL at app? $2000
- EQ Utilization Percentage? 11%
- Requested CL? Didn't request
- Instant Approval, LO Review or Decline? Pending (LO review, took 4 days)
- Income Verification Required? No
- Any Counter Offer from PenFed? No
- If declined, reason given?
- Any comments you think helpful? I added many new accounts 8 months ago.. was very nervous about approval. Nailed all 3 with them, PLOC 10K, 2012 Auto Refi @ 1.99% $34K, and Promise Visa $5K, was nervous since I have a somewhat thin file with no high credit. (other than mortgage) Income 7K month gross.
- What did you App for (CC, Auto...)? Travel Rewards w/ AmEx, approved for $5000
- Approved or Declined? Approved
- Date of app? 10/2011
- EQ FICO at app? 774
- # of Inquiries at app? 1 (about 6 months old at the time)
- Any Derogs at app: None (a year old 30 day late mysteriously dropped off my EQ report and I took advantage of that)
- Oldest Account Age? 10 years
- Newest Account Age? 6 months
- AAoA at app? ~3 years
- Highest CL at app? $500
- EQ Utilization Percentage? Not sure
- Requested CL? Didn't request
- Instant Approval, LO Review or Decline? LO Review (took about a week)
- Income Verification Required? Yes (paystubs)
- Any Counter Offer from PenFed?
- If declined, reason given?
- Any comments you think helpful?
- What did you App for (CC, Auto...)? Platinum Rewards Visa
- Approved or Declined? Approved
- Date of app? 05/2012
- EQ FICO at app? 743
- # of Inquiries at app? 0
- Any Derogs at app: None
- Oldest Account Age? 7 years
- Newest Account Age? 1.5 years
- AAoA at app? ~4 years
- Highest CL at app? $11,300
- EQ Utilization Percentage? 22%
- Requested CL? None
- Instant Approval, LO Review or Decline? LO Review to verify identity. Seemed like instantly approved, because my limit was posted immediately.
- Income Verification Required? No
- Any Counter Offer from PenFed?
- If declined, reason given?
- Any comments you think helpful?
- What did you App for (CC, Auto...)? CC (AMEX Travel Rewards
- Approved or Declined? Approved
- Date of app? 06/05/2012
- EQ FICO at app? 773
- # of Inquiries at app? 1
- Any Derogs at app: 0
- Oldest Account Age? 17yrs, 8 mos
- Newest Account Age? 3 mos
- AAoA at app? 5 yrs, 2 mo
- Highest CL at app? 12k
- EQ Utilization Percentage? 7%
- Requested CL? N/A
- Instant Approval, LO Review or Decline? Instant
- Income Verification Required? No
- Any Counter Offer from PenFed? N/A
- If declined, reason given?
- Any comments you think helpful?