I've been in the garden the last 6 &1/2 months tipped out to see if I could secure a new CC to cover an about to lapse BT, Discover approved me for $4K but after reading here I decided to try Penfed again where I had a Power Cash card so I tried for the Gold, instant approval $7,500 SL so why not see if they would refi my BBVA/PNC auto loan of 9.8%. APPROVED @ 4.69% had to send in some ID verification stuff, and the app status stayed under review for 9 days so I called today and after speaking with 3 different people they said it was stuck in review and I would be notified today of an status update and literally minutes later I received an email to esign, cha-ching! They deinied me in April just after I'd finaced with BBVA due to too many INQ's (33 total, don't rember how many with EQ). I received 2 HP's EQ8 score from Penfed was 682 same as myFico score. Everyone here has been such a great help and offered so much support I wanted to add my stroy and DP's. I have a BK that will be 7 yrs on 4/15/22 so I will go back in the garden come out in the spring and make sure all the bureaus erase all the things from that discharge that have really been holding me back all these years, the only baddie will be the 7 year old BK itself. surely I'll finally see the plus side of 700 soon. Thank you myFico and fellow credit builders and degenerates as well!
DP's:
EQ: 682, double HP from Penfed on the auto & CC app
9 INQ in last 12 months, 6 in last 6 months
UTI: 24%
Credit History: 6yrs 9 months
income: $36,600.00 (retired)
BK: discharge 4/2015
Cards from oldest to newest:
Credit One: SL- $850 -canceled this week
Cap1: 2,500
Credit1: 1,950
NFCU Cash R: 5,500
PenFed PC: 2,500
AMEX Hilton: 1,000 declined CLI this week
BBVA/PNC: 2,400
BECU: 7,500
NFCU: 20,000
Disco: 4,000
PenFed GR. 7,500
