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@CJ7 wrote:My scores are near yours and they gave me a big fat NO, citing just about every possible reason imaginable.
Their "score" is nearly 100 points off and apparently consider 3 inquiries prior to theirs as "too many".
My score was also WAYYYYYYYYYYYY off with PenFed when they denied me. I wrote a letter and they approved my application. They did two pulls one fo rmembership and one for the Visa.