Penfed, internal score 797 tu 763 eq 762 ex 757 denied

[Anonymous]

I have fairly good scored and was denied to credit to debt ratio which is 60k to 882 on a installment loan

[Anonymous]

@Shahrazmm

Just to be clear: Your internal PenFed score (NextGen) is 797.

Your ficos are TU 763 EQ 762 EX 757, but PenFed denied you

credit because of your credit to debt ratio on an installment loan,

which is $882 on 60K? Are you serious right now???

[AverageJoesCredit]

I believe it. Penfed doesnt want to extend me any credit ,ANYWHERE, and I've been a member 2 years, excellent payment history and my NextGen score reached 810 this past month. If you aren't showing them the $ it's like they want nothing to do with you. Scores mean squat with PF.All that's my personal opinion of course so be nice to me Gmood1

[Anonymous]

Dead serious right. Nor 882 is for a tv thats paid off soon, 182 or 170 is on my other cards put together lol and denied i emailed then my cct fico scores with debit to credit ratio showing that i litterally have nothing negayive the rep was like yeah if you have a true fico score showing your balances send that in it should influence the decision but gid dang this is booooty

[Anonymous]

But but i apploed on my birthday ... you cant say no to a request on a birthday

[Anonymous]

@Shahrazmm

On second thought, here's what I think:

With FICOS across the board in the mid 700s

and a debt to credit ratio of < 1.5% on a $60,000

installment loan, Pen Fed turning you down for

credit means they're telling you they don't want

your business. So stop trying to give it to them.

Never waste one nanosecond of your valuable time

trying to give your business to a financial institution

that doesn't want your business. It's an exercise in

futility, and there's entirely too much money out there

elsewhere to be stressing over a Pen Fed denial.

So the best thing you can do is move on and say "Next!!!!"

[Anonymous]

I agree it was my last ditch effort as a bday gift to myself
Also that 60k is all my credit combined then theres the 882 installment loan then a measly 1something over all my creditcards yes 3 hard pulls for nothing this was it i sent those documents in but if i dont get anything imm officially done with them entirely

[Anonymous]

@Shahrazmm

First things first: Happy Birthday!

And Second: Pen Fed turning you down for credit is a blessing

because when one door closes, another one opens. So like I said,

the best thing you can do is put Pen Fed in your rear view and move

on to other cards on your list. And when Pen Fed realizes that you

won't come back and beg them for a second chance, don't be surprised

if they try and reach out to you after you've moved on. Human nature is

funny: all of us want what we know we can't have. So you leaving Pen Fed

behind will create that feeling within them and make them realize what they

lost. You're much better off, Shahrazmm.

[Anonymous]

[Anonymous]

I like the way you think lol however i just heard so much good stuff about them i was super excited about them but whatever i also love nfcu but i cant get them lol