PenFed's Lowest is 9.99 so considering you were in the 5's thats AWESOME!! Except the fact of having to pay origination fees...
@thisladyz wrote:
@Anonymous wrote:Thats an awesome rate for a personal loan!! Congrats!!
Thanks, I know right? I was going to get one with my CU and even they were quoting a 9.5%! I said, SoFi, here I come!
@Anonymous wrote:PenFed's Lowest is 9.99 so considering you were in the 5's thats AWESOME!! Except the fact of having to pay origination fees...
@thisladyz wrote:
@Anonymous wrote:Thats an awesome rate for a personal loan!! Congrats!!
Thanks, I know right? I was going to get one with my CU and even they were quoting a 9.5%! I said, SoFi, here I come!
I didn't even look at Pen Fed, I just got my account and cards with them recently so I didn't want to push my luck. lol
@Anonymous wrote:Wow that's nice! can you share your stats? any baddies? # of inquiries?
Income $165k+, 2 auto loans, 2 mortgages, cards and scores in siggy, I was discharged CH13 BK back in Sept 2014 after filing in 2009, no lates or anything since then, just rebuilding. Utilization is real low, I carry a small balance on one of my 0% interest cards (less than $5k) and pay everythng else in full. The turning point really came this past May when my public record finally fell off of my EQ report. EX & TU had already given me a EE so those scores were always higher. Once that EQ fell off....
it was uphill from there! 
After getting this loan I wanted to have another type of loan and increase my available credit, so I'll be in the garden as they say, for a good while. lol Just try to grow my limits and my score.
@thisladyz wrote:
@Anonymous wrote:Wow that's nice! can you share your stats? any baddies? # of inquiries?
Income $165k+, 2 auto loans, 2 mortgages, cards and scores in siggy, I was discharged CH13 BK back in Sept 2014 after filing in 2009, no lates or anything since then, just rebuilding. Utilization is real low, I carry a small balance on one of my 0% interest cards (less than $5k) and pay everythng else in full. The turning point really came this past May when my public record finally fell off of my EQ report. EX & TU had already given me a EE so those scores were always higher. Once that EQ fell off....
After getting this loan I wanted to have another type of loan and increase my available credit, so I'll be in the garden as they say, for a good while. lol Just try to grow my limits and my score.
Oh, I have 11 inqs on EQ, 23 on EX and 15 on TU
@thisladyz wrote:
@thisladyz wrote:
@Anonymous wrote:Wow that's nice! can you share your stats? any baddies? # of inquiries?
Income $165k+, 2 auto loans, 2 mortgages, cards and scores in siggy, I was discharged CH13 BK back in Sept 2014 after filing in 2009, no lates or anything since then, just rebuilding. Utilization is real low, I carry a small balance on one of my 0% interest cards (less than $5k) and pay everythng else in full. The turning point really came this past May when my public record finally fell off of my EQ report. EX & TU had already given me a EE so those scores were always higher. Once that EQ fell off....
After getting this loan I wanted to have another type of loan and increase my available credit, so I'll be in the garden as they say, for a good while. lol Just try to grow my limits and my score.
Oh, I have 11 inqs on EQ, 23 on EX and 15 on TU
Thank you for all the infos! unfortunately, I only had 1 mortgage and that was 11 years ago and we already paid off the house. My car is also paid in full because I could never get credit from my student loans mess. Anyway, I dont have any real installment loans ;( ohh I was hoping to get a PL too just to have it lol!