@Anonymous wrote:As an update - just now (almost a day later) am getting notifications from PenFed in regards to my apps. Looks like the Rewards was approved, Promise and PLOC denied. They pulled Equifax and the denial letters say my score is 645 BUT when I pulled new reports from all bureaus via Credit Check Total yesterday before apping, my scores were 690-705 across all three. Thats a big difference - most I have ever seen is maybe 10-15 pt difference. I am considering calling to recon the Promise or ask for a higher CL on the Rewards.
They use a different model. CCT uses FICO 8. PenFed uses FICO NextGen 2. Totally different scores.
@Anonymous wrote:With my two lines they report three days AFTER my statement closes.
That is somewhat consistent with what happened to me. On the second cycle it seems to have picked up the balance that was in effect on the 3rd and 4th day of the month. But it was not 3 and 4 days after the statement date, because the statement didn't cut for another week.
So I'm thinking it's the balance in place 3 or 4 days after the end of the month.