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Pentagon Federal Credit Union Data Share

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Anonymous
Not applicable

Re: Penfed Approvals Please Post Your Data For Others

Product(s) approved and Limit(If approved for multiple products please include date if not immediate) Denied for Promise
EQ 08 Fico:  667

Instant or Review?: Instant

POI?(If yes, what type of proof of income)

AAOA: 1 year
Derogs?: (If you have a BK please list type and discharge date!) 30 day later from 5 years ago

Util: 18%

Total EQ Inquiries:

                Last 12 months: 3

                Last 6 months: 3
New Accounts in last 12 months: 5
                                 Last 6 months: 4

Message 4991 of 5,922
Anonymous
Not applicable

Re: Pentagon Federal Credit Union Data Share

@somewhere you can always ask them and they will pull a new CR.
Message 4992 of 5,922
Anonymous
Not applicable

Re: Pentagon Federal Credit Union Data Share


@Anonymous wrote:
Soft pull EQ the end of November. Scores and preapprovals available early January

Looks like I'll have to wait another month, then. I don't know what they soft-pulled on EQ for my CLI on PCR last month; the most recent one I have, from September, was 680 on EQ FICO 9.

Message 4993 of 5,922
Anonymous
Not applicable

Re: Pentagon Federal Credit Union Data Share

Product approved and Limit: Promise Visa - $14,500 
EQ 08 Fico: 662
Penfed Nextgen: 718 (possibly FICO 9)

Instant or Review: Instant

POI: None

AAOA: 3.2 yrs
Derogs?: IRS tax lien - $302,000 settled but still on credit reports

Util: 6%

Total EQ Inquiries: 2

           Last 12 months: 1

           Last 6 months: 1

New Accounts in last 12 months: 3
                                 Last 6 months: 3

Message 4994 of 5,922
PRose123
New Contributor

Re: Pentagon Federal Credit Union Data Share

I have 4 cards with Penfed already and would like another one to transfer my bank card balances onto and lower my utility. I've been DENIED because my gardening skills are not good😭😞! I have just done my very first recon letter. Fingers crossed. If I get it, I promise to be a good little gardener.









World's Worst Gardener
Message 4995 of 5,922
garagebandking
Regular Contributor

Re: Pentagon Federal Credit Union Data Share

Ever since opening my PenFed accounts in Jan/Feb of this year...I'm not expecting any pre-approvals...which is fine...though I wouldn't mind a CLI on the powercash card

Message 4996 of 5,922
simplynoir
Community Leader
Mega Contributor

Re: Pentagon Federal Credit Union Data Share

Question: for 50k total exposure limit Penfed allows does the LOC add to the total? For instance I have a $26k Promise card with a $10k LOC. Does that mean if I were to ask a for CLI or another card the is max allowed $14k or $24k?

Message 4997 of 5,922
PRose123
New Contributor

Re: Pentagon Federal Credit Union Data Share

Quick follow up: I got the dreaded "CC RECONSIDERED; ORG DEC UNCHANGED"!! 😱😭😭😭😭🍼









World's Worst Gardener
Message 4998 of 5,922
Anonymous
Not applicable

Re: Pentagon Federal Credit Union Data Share

Product approved: Used car loan -$45,000 
EQ 08 Fico: 725
Penfed Fico 9: 765 

Instant or Review: 1 day approval after LO review

POI: None

AAOA1.2
Derogs?: none

Util: 4%

Total EQ Inquiries: 4

           Last 12 months: 4

           Last 6 months: 1

New Accounts in last 12 months: 8
                                 Last 6 months: 4

Message 4999 of 5,922
jlitnns
Established Contributor

Re: Pentagon Federal Credit Union Data Share

I need some advice. I'm a 620 TU/EQ and a 660 FICO 8. Scores were low 700's this summer and I applied for a bunch of cards and got approvals everywhere. Have less than 30% util most of it was to pay off a higher auto loan. I'm paying that off at a pretty good rate.

 

I'm not really interested in PenFed cards right now because I know I won't qualify but my question is should I or can I get membership with my low scores? Is there any benefit to me opening a PenFed savings now or should I wait 6 months until my scores go back up to high 600's and do it all at once.

 

Thanks!


Message 5000 of 5,922
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