Penfed PLOC approved!

[Anonymous]

Super congratulations pizza1 awesome PLOC approval! 😊

[garagebandking]

Congrats pizza! Looking forward to seeing your accounts with PF grow.

[SouthJamaica]

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@pizza1 wrote:

Totally shocked on this one since the PLOC is very hard to get.  I know a few posters here who have tried and been declined, and their profiles are stronger "a little better overall" than mine. I've tried twice before and declined for the usual reasons, so third time was a charm.  I asked for $5k and got it. It wasn't instant, went to review, but was showing within a few hours online. Also, their PLOC is now a fixed rate of 14.65% for everyone, and reports as revolving line of credit to the CRA.

Data~

-member since 07/2015

-pulled EQ...662 (their score) for the PLOC 

-10/2016...approved for their thrifty cloc $500 and Promise visa on recon $500. (Eventually I closed checking acct/thrifty, and just kept savings).

-01/2017...cli to $5k on Promise visa, and then PC to Platinum Rewards Visa Siggy (which is a new acct).

-04/2017...approved after review for $5k PLOC . Denied cli on visa for "need more time for current payment history with Penfed". 

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Congratulations pizza

[Mahraja]

irish i cant even think of insulting my fico friends it was more like strange things happens in credit world pizza is very good friend of mine so it was between 2 pals kind of comment that a strong profile holder like pizza had to try 3 times and yet the other pal gets it at 1st try pizza knows it deep down what i meant you people have no idea how much i like and luv u all in the end its just plastic money

[RockinRay]

Hey pizza - glad to see you are still here!

I've been away for about two years now. Good to see some familiar names!

[pizza1]

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@garagebandking wrote:

Congrats pizza! Looking forward to seeing your accounts with PF grow.

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Me too!! LOL  Thanks 

[pizza1]

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@Mahraja wrote:

irish i cant even think of insulting my fico friends it was more like strange things happens in credit world pizza is very good friend of mine so it was between 2 pals kind of comment that a strong profile holder like pizza had to try 3 times and yet the other pal gets it at 1st try pizza knows it deep down what i meant you people have no idea how much i like and luv u all in the end its just plastic money

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???????...Im not a "very good friend" of yours, we dont talk, and I dont know who you are.  Besides seeing you around the forums from time to time...thats it.  

[pizza1]

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@RockinRay wrote:

Hey pizza - glad to see you are still here!

I've been away for about two years now. Good to see some familiar names!

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Hey RR!!  Oh yea, Im still around, lol. 

Glad to see you pop in! How are you doing??  There are not that many familiar names around anymore, from a few years ago....a few of us are still here, but most have moved on, and you will occasionally see someone from that time 

[Anonymous]

Right on Pizza! Congrats!

I'm actually interested in applying for a PLOC thru PenFed as well.

Do they use the Equifax credit report ony? How detailed did they get on looking at your income? Thanks!

[RockinRay]

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@pizza1 wrote:

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@RockinRay wrote:

Hey pizza - glad to see you are still here!

I've been away for about two years now. Good to see some familiar names!

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Hey RR!!  Oh yea, Im still around, lol. 

Glad to see you pop in! How are you doing??  There are not that many familiar names around anymore, from a few years ago....a few of us are still here, but most have moved on, and you will occasionally see someone from that time 

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Been doing fine! Yup, I've notivced not too many around from a few years back. Glad to see you are still here!

Doing fine over here - just busy with life and I know you know what that's all about!

I look forward to chatting more.