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Penfed App

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Anonymous
Not applicable
‎07-14-2015 07:20 PM
‎07-14-2015 07:20 PM

Re: Penfed App

@Anonymous wrote:

So sorry to hear! It happens to all of us, though, really. Next time!

this...sorry to hear as well.

Message 11 of 20
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juniornj23
Established Contributor
‎07-14-2015 07:31 PM
‎07-14-2015 07:31 PM

Re: Penfed App

Which card did you app
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 12 of 20
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NYFan63
Established Contributor
‎07-14-2015 08:51 PM
‎07-14-2015 08:51 PM

Re: Penfed App

@juniornj23 wrote:
Which card did you app

VISA Signature

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 13 of 20
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juniornj23
Established Contributor
‎07-15-2015 07:14 AM
‎07-15-2015 07:14 AM

Re: Penfed App

They approve me for cash back I try the sigy was denied too many account
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850

Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 14 of 20
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NYFan63
Established Contributor
‎07-15-2015 07:21 AM
‎07-15-2015 07:21 AM

Re: Penfed App

Which FICO score does Penfed use.  They are showing my EQ at 644 while Equifax has at 674 and MyFICO 654.

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 15 of 20
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Anonymous
Not applicable
‎07-15-2015 07:23 AM
‎07-15-2015 07:23 AM

Re: Penfed App

@NYFan63 wrote:

Which FICO score does Penfed use.  They are showing my EQ at 644 while Equifax has at 674 and MyFICO 654.

They pulled Equifax for me.

Message 16 of 20
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baller4life
Super Contributor
‎07-15-2015 08:50 AM
‎07-15-2015 08:50 AM

Re: Penfed App

They pull Equifax but they use Nextgen scoring model. Not Fico 08. So score will be different.
Message 17 of 20
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NYFan63
Established Contributor
‎07-16-2015 12:41 PM
‎07-16-2015 12:41 PM

Re: Penfed App

@baller4life wrote:
They pull Equifax but they use Nextgen scoring model. Not Fico 08. So score will be different.

Thanks baller - I figured it was a differnt scoring model. 

 

I sent a recon letter to Penfed Wednesday morning after my denial for the Penfed Platinum card.  Does anyone know how long they usually take to recon?

 

Thanks!

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 18 of 20
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NYFan63
Established Contributor
‎07-18-2015 06:49 AM
‎07-18-2015 06:49 AM

Re: Penfed App

@NYFan63 wrote:
@baller4life wrote:
They pull Equifax but they use Nextgen scoring model. Not Fico 08. So score will be different.

Thanks baller - I figured it was a differnt scoring model. 

 

I sent a recon letter to Penfed Wednesday morning after my denial for the Penfed Platinum card.  Does anyone know how long they usually take to recon?

 

Thanks!

Penfed reviewed my recon and still denied me. I guess I will wait til next year when my scores will hopefully be above 700 and some of my CH7 BK adverse accounts fall off my CR

 

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Message 19 of 20
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Anonymous
Not applicable
‎07-18-2015 06:52 AM
‎07-18-2015 06:52 AM

Re: Penfed App

@NYFan63 wrote:
@NYFan63 wrote:
@baller4life wrote:
They pull Equifax but they use Nextgen scoring model. Not Fico 08. So score will be different.

Thanks baller - I figured it was a differnt scoring model. 

 

I sent a recon letter to Penfed Wednesday morning after my denial for the Penfed Platinum card.  Does anyone know how long they usually take to recon?

 

Thanks!

Penfed reviewed my recon and still denied me. I guess I will wait til next year when my scores will hopefully be above 700 and some of my CH7 BK adverse accounts fall off my CR

 

Passage of time takes care of so many things. My Chapter 13 finally fell off my reports and the results were amazing. Best of luck to you.

Message 20 of 20
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