https://ficoforums.myfico.com/t5/Auto-Loans/PenFed-Loan-Question/m-p/5113370#M75032 I’ve been reading lots of good things about PenFed on here. I plan on working on my credit a little more before applying for any car loans, but my question is should I go ahead and join PenFed now and possibly try for a credit card or something to build a relationship? It will probably be a couple of months at least before I’m able to apply for a car loan and have any chance at a decent rate. Current FICO scores are EQ609/TU608/EX602.<BR /><BR />Thanks! Thu, 14 Dec 2017 03:30:33 GMT mere2368 2017-12-14T03:30:33Z https://ficoforums.myfico.com/t5/Auto-Loans/PenFed-Loan-Question/m-p/5113370#M75032 I’ve been reading lots of good things about PenFed on here. I plan on working on my credit a little more before applying for any car loans, but my question is should I go ahead and join PenFed now and possibly try for a credit card or something to build a relationship? It will probably be a couple of months at least before I’m able to apply for a car loan and have any chance at a decent rate. Current FICO scores are EQ609/TU608/EX602.<BR /><BR />Thanks! Thu, 14 Dec 2017 03:30:33 GMT https://ficoforums.myfico.com/t5/Auto-Loans/PenFed-Loan-Question/m-p/5113370#M75032 mere2368 2017-12-14T03:30:33Z https://ficoforums.myfico.com/t5/Auto-Loans/PenFed-Loan-Question/m-p/5113445#M75033 With Penfed it is best to wait until you're scores have improven. At least that was true in the past. Thu, 14 Dec 2017 07:21:39 GMT https://ficoforums.myfico.com/t5/Auto-Loans/PenFed-Loan-Question/m-p/5113445#M75033 dabrian 2017-12-14T07:21:39Z