topic Re: 12 Recons Later PenFed finally Approved! in Credit Card Approvals

12 Recons Later PenFed finally Approved!

Anonymous — Wed, 17 Aug 2016 19:30:40 GMT

I started about a month and half ago, I kept getting declined because they were reviewing my old credit report and not the one that has been cleaned up...

I called on 15th and asked if they make sure that they pull my new credit report because all my denials my score and date pulled has all been the same. I was re-assured it will be pulled and it will be a new one. And so, the same time I froze my Equifax report... hold and behold I called today they told me that they can't pull my report because it's frozen (YAY! they are really finally going to pull a new one) so I went and took the freeze out and waited 30 minutes... 30 minutes later the lady spoke up and said "I'm sorry, we can't approve because of all your collections in your report" my jaw dropped once again... I have NO collection in my account..so I know they are looking at my old account again. So I asked to please send me to a loan officer or your manager. He then went over the "collections" in my account - I interrupted him and said sir... please I know all these and this is not my current report based from what you're stating, and I also haven't received an alert that my report was pulled, so with all due respect please pull my new report. .... 20 minutes later... he came back and apologized he said he didnt realized that he was looking at an old report again... and he said to make my case stronger he also pulled my Transunion which is my strongest report (@ 703) and he said based from all the information he has approved my application! OMG! Finally! Perseverance finally paid off!

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Wed, 17 Aug 2016 19:26:38 GMT

Congratulations! Hard work sure does pay off! Stay the course.

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Wed, 17 Aug 2016 19:28:58 GMT

Wow, that was a battle. But you won. I had to recon mine 4 times myself, but it just took getting the right person for me.

Congrats on the card. though and at least it was a decent limit

Re: 12 Recons Later PenFed finally Approved!

ddemari — Wed, 17 Aug 2016 19:47:45 GMT

congrats on getting the card and kudos for staying strong and making your point!

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Wed, 17 Aug 2016 19:53:37 GMT

You fought the good fight and you won! Congrats!

Re: 12 Recons Later PenFed finally Approved!

baller4life — Wed, 17 Aug 2016 19:55:18 GMT

Very nice!! Congratulations 😉

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Wed, 17 Aug 2016 20:07:18 GMT

Congrats on your Promise approval and nice SL! Happy you finally got it!

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Wed, 17 Aug 2016 20:34:26 GMT

Congrats on the approval!

Re: 12 Recons Later PenFed finally Approved!

Aduke1122 — Wed, 17 Aug 2016 20:47:00 GMT

Congrats to you OP , glad you got it this time.

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Wed, 17 Aug 2016 20:47:55 GMT

congrats !!!

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Wed, 17 Aug 2016 21:37:11 GMT

Fantastic approval, congrats on your success.. Hard work pay it off !!

Re: 12 Recons Later PenFed finally Approved!

AverageJoesCredit — Wed, 17 Aug 2016 21:42:11 GMT

Way 2 go! Awesome sl!. Enjoy

Re: 12 Recons Later PenFed finally Approved!

morgacj2004 — Wed, 17 Aug 2016 22:02:54 GMT

Congrats!

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Thu, 18 Aug 2016 01:45:24 GMT

Congrats on your success! What a feeling I bet!

Re: 12 Recons Later PenFed finally Approved!

AzaleaB — Thu, 18 Aug 2016 01:53:04 GMT

Congrats on your approval after 12 recons!

Re: 12 Recons Later PenFed finally Approved!

mystikal1 — Thu, 18 Aug 2016 03:01:38 GMT

Congrats

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Thu, 18 Aug 2016 04:22:08 GMT

@Anonymous wrote:
I started about a month and half ago, I kept getting declined because they were reviewing my old credit report and not the one that has been cleaned up...

I called on 15th and asked if they make sure that they pull my new credit report because all my denials my score and date pulled has all been the same. I was re-assured it will be pulled and it will be a new one. And so, the same time I froze my Equifax report... hold and behold I called today they told me that they can't pull my report because it's frozen (YAY! they are really finally going to pull a new one) so I went and took the freeze out and waited 30 minutes... 30 minutes later the lady spoke up and said "I'm sorry, we can't approve because of all your collections in your report" my jaw dropped once again... I have NO collection in my account..so I know they are looking at my old account again. So I asked to please send me to a loan officer or your manager. He then went over the "collections" in my account - I interrupted him and said sir... please I know all these and this is not my current report based from what you're stating, and I also haven't received an alert that my report was pulled, so with all due respect please pull my new report. .... 20 minutes later... he came back and apologized he said he didnt realized that he was looking at an old report again... and he said to make my case stronger he also pulled my Transunion which is my strongest report (@ 703) and he said based from all the information he has approved my application! OMG! Finally! Perseverance finally paid off!

Congratulations to you!...Thanks for sharing.

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Thu, 18 Aug 2016 05:51:28 GMT

I was getting frustrated just reading about it I can only imagine going through it! Congrats though

Re: 12 Recons Later PenFed finally Approved!

Vegas4Play — Thu, 18 Aug 2016 09:44:29 GMT

Congratulations !!!!

Re: 12 Recons Later PenFed finally Approved!

Anonymous — Thu, 18 Aug 2016 10:05:48 GMT

Awesome persistence! You earned your way to new credit! What is with PenFed? Glad you stayed the course ... great work! Grats