So what's got to happen for a guy to join PenFed?
The APR on my new/2008 car is 4.9% and I paid 40% down on the car. I'm leaving the car alone. I have a dispute with EQ that I just initiated. They have the same vehicle and account listed twice. Once as PIF/paid as agreed and the other as being included in a BK. Next week my EQ will be my best score. In 6 months all my scores will be over 700 easily.
My opinion, and my opinion only, is your EQ is too low for PenFed, coupled with new car loan and credit cards... but wait! What is your current APR on your car loan and the model year of the vehicle. PenFed has 4.25% finance and refinance automobiles that will at least get your foot in the door with a loan product... possibly a cc.
Message Edited by FaircreditguyFL on 05-06-2008 06:02 AM