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For those who have not seen my PenFed Story --> PenFed
For those who have not seen my Langley Story -->Langley
So in a nutshell, CK13 comes off, EQ Fico 08 score goes to it's highest ever (777)
and 2 HPs wasted on 2 denials from 2 CUs that pull from EQ too.
PenFed is my fault (my story is in there).
Langley is not.
Feeling pretty low right now. ![]()






























Congrats on your highest EQ score ever! You can't win every battle. You shouldn't be feeling low, you were able to pick up the Unicorn 3% card recently! ![]()
@Anonymous wrote:Congrats on your highest EQ score ever! You can't win every battle. You shouldn't be feeling low, you were able to pick up the Unicorn 3% card recently!
True - thanks for your positive words @Anonymous ![]()






























As Steve said, we can't win 'em all. AOD, BK falling off, score are great achievements. Just time to plant yourself in the garden awhile.
@Wavester64 wrote:For those who have not seen my PenFed Story --> PenFed
For those who have not seen my Langley Story -->Langley
So in a nutshell, CK13 comes off, EQ Fico 08 score goes to it's highest ever (777)
and 2 HPs wasted on 2 denials from 2 CUs that pull from EQ too.
PenFed is my fault (my story is in there).
Langley is not.
Feeling pretty low right now.
Sorry about the declines. I see you have the BB&T card in your wish list did you try checking their offers. If you have one usually you get approved with no HP. You could also try Suntrust Bank they are also an EQ puller.
@blindambition wrote:As Steve said, we can't win 'em all. AOD, BK falling off, score are great achievements. Just time to plant yourself in the garden awhile.
Thanks buddy - yeah, I am in the garden...but lemme tell ya, I don't have a green thumb ![]()






























@Harvey26 wrote:
@Wavester64 wrote:For those who have not seen my PenFed Story --> PenFed
For those who have not seen my Langley Story -->Langley
So in a nutshell, CK13 comes off, EQ Fico 08 score goes to it's highest ever (777)
and 2 HPs wasted on 2 denials from 2 CUs that pull from EQ too.
PenFed is my fault (my story is in there).
Langley is not.
Feeling pretty low right now.
Sorry about the declines. I see you have the BB&T card in your wish list did you try checking their offers. If you have one usually you get approved with no HP. You could also try Suntrust Bank they are also an EQ puller.
Thanks @Harvey26 I appreciate your kind words. Yeah, I have a love/hate relationship with that BB&T pre-q site. I get it from time to time and don't act on it - and when I plan on acting on it, it doesn't come up lol. Last night when I was frustrated about PENFED, I decided to try again since the last time (a week or so ago) it showed offer for all 3. As luck would have it, it didn't come up (well, it did come up once, but I noticed before I submitted it had my town spelled wrong and my zip was wrong, and I couldn't edit it.)
One thing I have have noticed (could be a potential DP) that when I try their pre-q and it gives me offers and a date its good until, I usually cannot get it to work again until AFTER that date. Last month I remember the date being April 24th. Never worked for me again until after April 24th. Last week when it worked again, it mentioned June 8th. So something tells me if I want to go this route again, it might come up for me again on or after that date.






























Sorry to hear it. Keep your chin up Wavester, you'll get em next time!
@Mr_Mojo_Risin wrote:Sorry to hear it. Keep your chin up Wavester, you'll get em next time!
Thanks buddy ![]()






























Both CU's people have a love hate with being PenFed and Langley. Many hate PenFed and many dislike langley. Two completly different lenders in what they search for. Sorry about your denials. I am one that dislikes langey as been denied and many others have as well that have very high scores and incomes to support it. What works for one lender doesnt work for both and vice versa. Also Penfed or Langey for that matter doesnt like agressive credit seeking.