01-07-2013 08:43 AM
Figured what they hay and joined penfed yesterday. didnt app for any cards yet. uti is a little high......but next month!
01-07-2013 08:50 AM
01-07-2013 08:51 AM
didnt even think of that......smh
01-07-2013 08:53 AM
01-07-2013 09:08 AM
I think you should of waited till next month to join when your utilization was down. Seems they use the same hard pull from membership for 90 days. So even if you wait a month to app they will still use the same pull you took to join. This is why I'm waiting until next month to join. Hopefully for you I'm wrong but I'm thinking I'm right.
+100000!! They use the same credit report! You should have waited.
01-07-2013 09:21 AM
well guess I will be in the garden for 91 days.....lol
01-07-2013 09:22 AM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO