You should be OK, if I read your post correctly. PenFed is sensitive to
recent new accounts, and you only have one opened 9 months ago, which is hardly recent.
Do you have any baddies?
If I were you, I would apply over the phone, so that if there is a question about the inqs, you can explain then and there. I'm assuming that the Freedom inq was for the 9-month-old card, and the CLI inq for an increase on that card? Comcast, AT&T and a refi hardly make you sound like a wild-eyed credit-seeking maniac.
If you're worried, you can even call and ask them about this in general, but I don't know if they'd tell you anything more than they'd have to look at the report (= apply) to decide. Good luck!
just notice your siggy and scores: if I may ask, what's with your EQ being so much lower? If there's something on there besides inqs, you'll need to be ready to discuss that.
Message Edited by haulingthescoreup on
06-18-2008 07:48 AM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007