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@Anonymous wrote:It seems that once you get to a certain level that the "negtives" are limited (unless I report some heavy balances). I have no derogs to factor into my score....so when negatives are factored, it only factors in that my "newest account" is 1 month old. It does not factor in that my newest 6 accounts are 4 months or less. Balances ding me if I let them report.
This is the power of being in the "right" scoring bucket!
@Anonymous wrote:Also, EQ and TU seem to lose inquiries too...so I'm not "looking for credit" any more.
TU has lost 11 of my 13 lates - the worst ones first - leaving two accounts with one 30-day late each. And that matters big time!
Oh well then, you are just CRAWLING with newbie member cooties!
I wouldn't touch that for some time. PenFed is reported to provide "offers" once you get some membership age, if you are credit worthy.
pattycake wrote:
I have not received the card. I was just wondering what would happen if I touched it, like maybe I'd get the cooties if I wasn't supposed to.
Go ahead an push it. All it's going to do is take you to the app screen.
It is not a "luv button". PenFed has no luv button. If you want a CLI it is an app. They don't just increase your CL either (auto CLI). If you are worthy af six months to one year you will start receiving pre-approved offers, which for at least HTSU and me are truly pre-app and have been accepted and approved without hard inquiry. These offers show up in a box under the "Help" choice on the main menu.
@creditwherecreditisdue wrote:@pattycake wrote:
I have not received the card. I was just wondering what would happen if I touched it, like maybe I'd get the cooties if I wasn't supposed to.
Go ahead an push it. All it's going to do is take you to the app screen.
It is not a "luv button". PenFed has no luv button. If you want a CLI it is an app. They don't just increase your CL either (auto CLI). If you are worthy af six months to one year you will start receiving pre-approved offers, which for at least HTSU and me are truly pre-app and have been accepted and approved without hard inquiry. These offers show up in a box under the "Help" choice on the main menu.
Actually they do offer an auto CLI in a weird way. When they offer you a preapproval for a second card you can opt to have the CL offered to be added to your existing card instead.
There is already an offer for a $35K car loan, with an option to "opt out of prescreened offers."
I've seen people here on the board talk about car loans being easier to get than CC's since CC's are unsecured credit.
Okay, I'm going to see what it does when I push the button. If I go up in flames, I'm going to blame creditwherecreditisdue, who may in fact be the devil himself.
I'm dying to know what happens when you push the button. I just joined also and got my card Friday of last week. I, too, have the $35 K preapproval for a car loan but have no intention of using that yet.
Let us know!!
pattycake wrote:
There is already an offer for a $35K car loan, with an option to "opt out of prescreened offers."
I've seen people here on the board talk about car loans being easier to get than CC's since CC's are unsecured credit.
Okay, I'm going to see what it does when I push the button. If I go up in flames, I'm going to blame creditwherecreditisdue, who may in fact be the devil himself.