Joining penfed/apping for cc

[Getnupthere]

I'm in the rebuilding stage. I would like to join penfed and other cu's and then app for credit. Here my vitals:

Ex 630, tu 652, eq 662

5 open lines of credit including a high % car loan $12,000,  a $7,000 personal loan also high %.

All in good standing. But the car loan has late payments, in 2016 I was late 10 out of 12 times (30 days) but since Dec 2016 I"ve paid on time up to today. I`m going to call my lender tomorrow and ask to have them deleted. But what are my chances to get credit with my history with penfed and other cu"s?

[fltireguy]

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@Getnuptherewrote:

I'm in the rebuilding stage. I would like to join penfed and other cu's and then app for credit. Here my vitals:

Ex 630, tu 652, eq 662

5 open lines of credit including a high % car loan $12,000,  a $7,000 personal loan also high %.

All in good standing. But the car loan has late payments, in 2016 I was late 10 out of 12 times (30 days) but since Dec 2016 I"ve paid on time up to today. I`m going to call my lender tomorrow and ask to have them deleted. But what are my chances to get credit with my history with penfed and other cu"s?

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Hi,

 With your fairly recent lates (and many of them), I sincerely doubt that PenFed will approve you for a credit card, unless you are REALLY convincing to the LO on a recon.  I also think that you probably wont have any luck getting your lender to delete the lates. If it was one, you might have a slim to none chance, but 10 lates in a year - I just dont see it happening

[Getnupthere]

Thanks for your reply. The job cut me back to three days of work in 2016, that was a rough time. But I"m going to try and see if they will.

[Anonymous]

Have you already applied? keep me posted? i would like to app with Penfed as well with their no B/T fee card.

[Anonymous]

I just got an autoload with PenFed and tried for a card also.  My Equifax Fico 8 is 681.  I do have high utilization on the credit cards at around 64%.   (As soon as my bonus check comes through this month I will be 30% or less).  I was denied on the credit card.  They did give me an auto loan for a used car 2010 at 4.49%.  

[Anonymous]

did you recon for the credit card? did they tell you the reasons?  

[Anonymous]

I still have a ch 13 BK on my reports so they consider that derogatory.  It will fall off 9/2019 so it is close to being over.  They also sited my high utilization.   I did not push because I will get my utilization under 30% by then end of the month.  I did not think they would give me one but they already did a credit pull for the auto loan so it didn't "cost" me anything.   Once I get my untilization down I'm going to go for a couple other cards and if I don't get them I will come back to PenFed and ask they pull again.