Pentagon Federal Credit Union Data Share

[Anonymous]

Omg yes!!!!! Cheers my credit addicted friends

[Anonymous]

Well I just joined PenFed and opened a MMS.  PF has been my main goal since I started rebuild.  I was going to wait until BK13 falls next Apr but I'm tempted to go ahead and apply for Promise, Cash Visa and PLOC.  Thoughts? 

FICO 8 EQ:  668

AAoA:  3.8 yrs (11.8 yr mortgage)

Derog:  BK13 disch 4/15

Util:  12%

EQ Inq:  5 (12 mos), 3 (6 mos)

New Accts:  4 (12 mos), 2 (6 mos)

[Anonymous]

@Nevertoolate

As Baller (OP) stated if you have dings on your account with PenFed you'll never get certain offers, but there have been some exceptions to that rule. You've already applied so you can't un-apply now so you might as well apply for something (make sure to ask for a reconsideration regardless if you get approved or denied) but your EQ score is pretty low at 668. I'm personally going to wait to apply at PenFed until my EQ is 100% clean on Dec. 1st or hopefully earlier if I get some luck.

But like this thread has clearly shown some lucky people have been given CRAZY starting CL of $30K+ with a BK showing on their files with PenFed. 

App and post what happens.

Good luck.

[Anonymous]

---

@Anonymous wrote:

@Anonymous

As Baller (OP) stated if you have dings on your account with PenFed you'll never get certain offers, but there have been some exceptions to that rule. You've already applied so you can't un-apply now so you might as well apply for something (make sure to ask for a reconsideration regardless if you get approved or denied) but your EQ score is pretty low at 668. I'm personally going to wait to apply at PenFed until my EQ is 100% clean on Dec. 1st or hopefully earlier if I get some luck.

But like this thread has clearly shown some lucky people have been given CRAZY starting CL of $30K+ with a BK showing on their files with PenFed. 

App and post what happens.

Good luck.

---

Thanks for your thoughts.  I could also burn a HP to join but not apply for credit right now.  Decisions decisions.

[Anonymous]

Yes, you could do that and personally if I had a subprime EQ score of 668 AND a BK I would avoid applying at PenFed/NASA/NFCU/RBFCU until your scores are at least 680+ and the BK is gone.

They're so many other places to hit for tons of credit besides those four top 10 credit unions.

Two cents.

[Anonymous]

---

@Anonymous wrote:
Yes, you could do that and personally if I had a subprime EQ score of 668 AND a BK I would avoid applying at PenFed/NASA/NFCU/RBFCU until your scores are at least 680+ and the BK is gone.

They're so many other places to hit for tons of credit besides those four top 10 credit unions.

Two cents.

---

Agreed.  Voice of reason.  Thanks!

[Anonymous]

That's me Mr. Voice of Reason (Mod Cut-please no political stuff on myFico)

[baller4life]

I'm sorry Creditluv. But, I disagree. Nevertoolate has already taken the hp to join. So it doesn't hurt to test the waters by applying for a cc. This thread is proof positive that they are approving those with bks. You're saying wait till bk falls off? That would be 2025. Lol, no I feel that since the hp has been done no harm in striking. If denied, you could either recon or wait a yr and try again. No harm no foul.

[Anonymous]

---

@baller4life wrote:
I'm sorry Creditluv. But, I disagree. Nevertoolate has already taken the hp to join. So it doesn't hurt to test the waters by applying for a cc. This thread is proof positive that they are approving those with bks. You're saying wait till bk falls off? That would be 2025. Lol, no I feel that since the hp has been done no harm in striking. If denied, you could either recon or wait a yr and try again. No harm no foul.

---

BK actually falls off 4/17.  Good point baller, can always recon or try later if nec.  Just wasn't sure about the 668.  

I'll give it a go and report.

[baller4life]

Oh ok Nevertoolate. I assumed it was 10 years from discharge date. Well, your score is in striking distance judging by all the success of this thread. Take a look at JoeyZoom's data. He was extremely successful and his fico is 650/660. Like I said no harm to foul to test the waters.