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Penfed app Qestion

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sobeone1
Regular Contributor

Penfed app Qestion

Hello. 2 weeks ago I apped for Penfed. They allowed me to joined but rejected me on just about every credit card. The main reason was Bankruptcy. Well, today I checked Credit Karma and my BK  was off/gone  completely. 1 month shy of 10 years. My question is how should I go about applying again. I know it will still probably be a s.p but would it be the same pull they used 2 weeks ago. If so the BK would still be on there. How long before they would do a new pull? Could I ask them to pull a new 1? I know penfed is tuff because 1 week before I apped for and  got a Nasa fcu c.c and 1 week ago I got into NFCU with a loc and credit card. I look forward to the help. Thank you ahead of time.

credit karma has my scores at T.U 637 Equifax 668 but all of my Major cards have my score between 710-730 fico AAoA 7months with 16 inquires T.U & Eq 12 inquires.

Fingerhut $1200 my first credit. Discover it 4.5k, Paypal extras 7.8k, Barclays 2.2k, Walmart 6k, Lowes 25k, Amazon 6.5k Cap1 Q.S 4k, Venture 10k, Voice 10k, Chase freedom 2k Slate 3.5k, 5th 3rd 10k, overstock2.9k, Kingsize 1k. Nasa 20k, NFCU 14k, loc 10k, BBVA 14k, Amex ED 10k, income 76k (I put them in order of receiving them)
Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Penfed app Qestion


@sobeone1 wrote:

Hello. 2 weeks ago I apped for Penfed. They allowed me to joined but rejected me on just about every credit card. The main reason was Bankruptcy. Well, today I checked Credit Karma and my BK  was off/gone  completely. 1 month shy of 10 years. My question is how should I go about applying again. I know it will still probably be a s.p but would it be the same pull they used 2 weeks ago. If so the BK would still be on there. How long before they would do a new pull? Could I ask them to pull a new 1? I know penfed is tuff because 1 week before I apped for and  got a Nasa fcu c.c and 1 week ago I got into NFCU with a loc and credit card. I look forward to the help. Thank you ahead of time.


Penfed will use the same pull for 90 days.  So wait after the 90 and apply so that they can pull a fresh report with the bankruptcy gone...

Message 2 of 5
sobeone1
Regular Contributor

Re: Penfed app Qestion

Thanks Mr. Yes. I kinda remember reading it on another thread. Sorry for having asked same question thats has been answered on here. P.S you were Fast

credit karma has my scores at T.U 637 Equifax 668 but all of my Major cards have my score between 710-730 fico AAoA 7months with 16 inquires T.U & Eq 12 inquires.

Fingerhut $1200 my first credit. Discover it 4.5k, Paypal extras 7.8k, Barclays 2.2k, Walmart 6k, Lowes 25k, Amazon 6.5k Cap1 Q.S 4k, Venture 10k, Voice 10k, Chase freedom 2k Slate 3.5k, 5th 3rd 10k, overstock2.9k, Kingsize 1k. Nasa 20k, NFCU 14k, loc 10k, BBVA 14k, Amex ED 10k, income 76k (I put them in order of receiving them)
Message 3 of 5
Anonymous
Not applicable

Re: Penfed app Qestion


@sobeone1 wrote:

Thanks Mr. Yes. I kinda remember reading it on another thread. Sorry for having asked same question thats has been answered on here. P.S you were Fast


You are welcome.. Taking a break from work and just hanging out hereSmiley Happy

Message 4 of 5
B335is
Moderator Emeritus

Re: Penfed app Qestion


@Anonymous wrote:

@sobeone1 wrote:

Hello. 2 weeks ago I apped for Penfed. They allowed me to joined but rejected me on just about every credit card. The main reason was Bankruptcy. Well, today I checked Credit Karma and my BK  was off/gone  completely. 1 month shy of 10 years. My question is how should I go about applying again. I know it will still probably be a s.p but would it be the same pull they used 2 weeks ago. If so the BK would still be on there. How long before they would do a new pull? Could I ask them to pull a new 1? I know penfed is tuff because 1 week before I apped for and  got a Nasa fcu c.c and 1 week ago I got into NFCU with a loc and credit card. I look forward to the help. Thank you ahead of time.


Penfed will use the same pull for 90 days.  So wait after the 90 and apply so that they can pull a fresh report with the bankruptcy gone...


+1

 

 

Message 5 of 5
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