NASA
Reason for denial:
Collections: (i have two unpaid med collections that are 4 years old)
excessive revolving/borrowing capacity (100k in open credit lines, usage is at 3% utility)
excessive recent opened revolving accounts (5 new accounts in the last 2 years. 2 of those were within the last year)
EX-Fico 08 is in signature but I'm not sure which model they pull cause they showed a 649 with score ranges 320-844.
PenFed
Promise Card- Approved 17k
Platinum Card- Pending (Had to send two recent pay stubs for this one, its still under review)
PLOC- Denied (Reason was for collections)
EQ-Fico 08 is in signnature but im not sure which model they pull cause they showed 664 with score ranges 150-950.
Thank you Baller! cant figure out how to do this yet
@baller4life wrote:
@Anonymous wrote:
Do you mind sharing your Experian score when you apped with NASA and EQ score with PenFed?
Also, what was t he number of inquiries and accounts you opened within 6-12 months as well as your overal credit utilization when you apped?
It helps a lot of people (I'm personally going to app PenFed, RBFCU and NASA next year for CC and PLOC) when specifics are given by people that get approved or denied. Thanks and congrats on your PenFed approval I'm jealous.
What were your starting credit limits with PenFed?
Here's Bowzer's approval thread.
http://ficoforums.myfico.com/t5/Credit-Card-Approvals/PENFED-PROMISE-17K-SL/td-p/4270881
@CreditLuv
I'm not really sure that you can get data points with regard to NASA. Their approvals/denials seemed to be all over the place. When I applied last month, I was denied and some of the reasons for the denial were length of time accounts have been established (on EX it was over 7yrs and over 9 for both TU/EQ), too many inquires in last 12mths (I had 1 over 12 months and depending on which showed first 0-1(I applied for both NASA and BofA on the same day) in last 12 months) and lack of recent installment loan information (I have no idea what this meant considering my student loan has always reported). My score wasn't that great, according to them 675 from a range of 320-844 (I think someone mentioned they use FICO 2). I was also told that they have a strict policy regarding tax liens, and yet Cap was approved with one (almost the same age as mine).
I believe with them it truly is YMMV.
@Anonymous wrote:@Anonymous
You must've used the same IQ for multiple accounts got it.
@Anonymous
January can't come soon enough for you can it.
Just be like this ==> https://www.youtube.com/watch?v=zJ6VT7ciR1o
P.S. Why doesn't the embed feature on here allow YT videos?
That's 5 on EX. Don't forget that there are two other CRA's.
They said that about putting a man on the moon too. 
I'm thinking about having one of my software programmers create a database online that we can enter data points into for different credit card and lending companies for approvals, denials and CLI's. It takes dozens and hundreds of hours to try and find (hardest part) and go through so much data on here and other forums.
It would be like a who is credit pull database, that's out there that many us know about.
The database would get such data points such as state of where the person applying lives, stated income, FICO 08 credit scores, inquires/open accounts within 3, 6, 12 months before apping, total inquiries and accounts, total credit limits, negatives, type of negatives, AAoA, etc.
Even if only 25-50 of the die-hards on here participate religiously it would be a lot of great fresh data that can be updated weekly to be viewed by the people that actually give data.
I'd like to get as much input from people about what info to collect for the database.
Of course, NO specific info would be asked for like names, emails, phone numbers, addresses, ss#, etc.
I'm going to make this a new topic post as well.
Let me know your thoughts.