topic Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them in Credit Card Approvals https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6806851#M893743 <P>I had a car loan go bad in 1988 with them.&nbsp;<BR />they still remember and I'm denied for everything with the car loan stated as the reason.</P><P>I've even been pre approved only to be denied later for "Causing a loss"</P> Sat, 18 Jan 2025 21:17:27 GMT woodyman100 2025-01-18T21:17:27Z BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754833#M881079 <P>So I forgot about a couple cards</P><P><STRONG><U><FONT size="2">Discharge was in 3/2021</FONT></U></STRONG></P><P>CAPITAL ONE VENTURE CARD- $10,000&nbsp;</P><P>UPGRADE LOAN- $15,000</P><P>BEST EGG LOAN-$10K</P><P>PENFED - POWER CASH REWARDS $3500 (burned them in BK for over$22K) super ecstatic about this relationship !!!!!!!!!!!!!!!!!!!!!!!!</P><P><span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="I'm back in" style="width: 657px;"><img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/92645i7A7C32803D19ADCC/image-size/large?v=v2&amp;px=999" role="button" title="Penfed.png" alt="I'm back in" /><span class="lia-inline-image-caption" onclick="event.preventDefault();">I'm back in</span></span></P><P><FONT face="courier new,courier,monospace" size="4"><STRONG>SPIRIT MASTERCARD $3050</STRONG></FONT></P><P><FONT face="courier new,courier,monospace" size="4"><STRONG>Ollo Mastercard $2000&nbsp; May 2021 Pulled Experian and Transunion Fico 615&nbsp;</STRONG></FONT></P><P>Best Egg CC -$1K</P><P>First Savings CC- $1K</P><P>Sephora Visa - 1K</P><P>Dell Financial- $6500 pulled Experian - March 2021 Fico 615</P><P>Williams and Sonoma- $1500 (SCT)- May 2021 Fico 615</P><P>Pottery Barn- $1000 (SCT) - May 2021 Fico 615</P><P>&nbsp;</P><P>I also have a couple loans for less than $5K</P><P>&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P> Fri, 19 Apr 2024 23:37:35 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754833#M881079 MoBra 2024-04-19T23:37:35Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754841#M881084 <P><SPAN>Congrats</SPAN></P> Sat, 20 Apr 2024 00:25:39 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754841#M881084 NoMoreDebt 2024-04-20T00:25:39Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754846#M881085 Congrats. Sat, 20 Apr 2024 00:54:26 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754846#M881085 keekers 2024-04-20T00:54:26Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754869#M881091 <P>Congratulations on your approval!</P> Sat, 20 Apr 2024 02:39:33 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754869#M881091 CorpCrMgr1 2024-04-20T02:39:33Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754956#M881103 <P>Congrats!</P> Sat, 20 Apr 2024 16:07:23 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754956#M881103 captainsensation 2024-04-20T16:07:23Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754960#M881105 <P>Congrats on the approval!</P> Sat, 20 Apr 2024 16:59:13 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754960#M881105 coreyb80 2024-04-20T16:59:13Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754978#M881113 <P>Congratulations</P> Sat, 20 Apr 2024 17:50:38 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754978#M881113 gingerflower 2024-04-20T17:50:38Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754988#M881116 <P>Congrats on getting back in!</P> Sat, 20 Apr 2024 18:29:37 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6754988#M881116 Zoostation1 2024-04-20T18:29:37Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6755053#M881122 <P>Congrats.&nbsp; I am suprised they let you back in as most CU's will not let you best in if burnt unless paid back.&nbsp; Interesting DP I am sure for many.</P> Sun, 21 Apr 2024 01:32:17 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6755053#M881122 CreditCuriosity 2024-04-21T01:32:17Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6755517#M881303 <P>It's off my credit report so I suspect they don't have an internal record. Not certain but grateful!!!</P> Mon, 22 Apr 2024 15:53:35 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6755517#M881303 MoBra 2024-04-22T15:53:35Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6755544#M881309 <P>Congratulations on your approval and reentry into PENFED!&nbsp;</P> Mon, 22 Apr 2024 18:41:37 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6755544#M881309 Wu-Credit 2024-04-22T18:41:37Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6755644#M881324 <P>Thatโ€™s Terrific!! Congratulations on your Approval!!<SPAN>๐Ÿ‘๐Ÿผ๐Ÿพ๐Ÿฅ‚</SPAN></P> Tue, 23 Apr 2024 00:12:55 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6755644#M881324 cashorcharge 2024-04-23T00:12:55Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6755676#M881334 <P>Congrats on the approval!</P> Tue, 23 Apr 2024 01:40:25 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6755676#M881334 BigBS 2024-04-23T01:40:25Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6756017#M881473 <P>Congratulations on your PenFed approval!</P> Wed, 24 Apr 2024 03:39:19 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6756017#M881473 CreditAggie 2024-04-24T03:39:19Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6806813#M893740 <P>How did you get off report ?</P> Sat, 18 Jan 2025 15:03:03 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6806813#M893740 Totoro 2025-01-18T15:03:03Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6806845#M893742 <P>It naturally fell off the only thing derogatory is the BK7</P> Sat, 18 Jan 2025 20:15:35 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6806845#M893742 MoBra 2025-01-18T20:15:35Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6806851#M893743 <P>I had a car loan go bad in 1988 with them.&nbsp;<BR />they still remember and I'm denied for everything with the car loan stated as the reason.</P><P>I've even been pre approved only to be denied later for "Causing a loss"</P> Sat, 18 Jan 2025 21:17:27 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6806851#M893743 woodyman100 2025-01-18T21:17:27Z Re: BACK in with PENFED!!!!! 3 Years after Discharge and Burning Them https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6807187#M893818 <BLOCKQUOTE><HR /><a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/883523">@MoBra</a>&nbsp;wrote:<BR /><P>It's off my credit report so I suspect they don't have an internal record. Not certain but grateful!!!</P><HR /></BLOCKQUOTE><P>Oh, they have an internal record! I slipped back in one time and was good for about 2-3 months and then they realized and locked up my accounts again. I have a little bit there in savings but I can only access it by mail. After 3 years they will close the account for no activity as they did my wife's.</P><P>&nbsp;</P><P>You got lucky, but just keep it in mind that they may see your history and lock you out again. I too owed them about 20k 15 years ago.</P> Tue, 21 Jan 2025 17:31:44 GMT https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BACK-in-with-PENFED-3-Years-after-Discharge-and-Burning-Them/m-p/6807187#M893818 fm92555 2025-01-21T17:31:44Z