Pentagon Federal Credit Union Data Share

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Do you have to have a PenFed CC to get your score? I can't find it, and I only have a savings account.

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Yes, you have to have a credit product to get your scores from them. 

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Thanks, Jago22. I kinda figured. I'm gardening for something PenFed. 

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I need to be gardening anyways, but i'm hoping once my accts age and my INQ's go down, i will get an offer that's SP.  If not i might consider an HP for something good.  That wont be till next year tho. 

[jgdev]

Denied. Recon denied as well. Oh well can't win em all.

EQ 08 FICO: 695
EQ 09 FICO: 708

Instant or Review?: Review(To be expected, fraud alert on profile)

POI?(If yes, what type of proof of income) No

AAOA: 6 years, 2 months
Derogs?: (If you have a BK please list type and discharge date!) 5 very old COs from 2012 due to fall off within the next 6-12 months. a few 30 day lates from 2016

Util: 1% UTL

Total EQ Inquiries: 4

                Last 12 months: 2

                Last 6 months: 2
New Accounts in last 12 months: 4
                                 Last 6 months: 2

[Anonymous]

Ok so I have to admit I have been very unhappy with PenFed. I have had a PCR with a $500SL since September. My lowest limit card. I have never been late and I pay the balance in full before thnfue date every time. I’ve even went out of my way to use the card though I have higher limit cards to put some usage on it. Anyway, I have been denied every single CLI request, including my last one a few weeks ago. They site that loan balances are too high (student loans) and the most recent is high inquiries (I have 9- only 3 from last 6 months). Anyway, I decided to request it again (I probably shouldn’t have) because they pulled my credit a few weeks ago for my last denial and I am banking on the fact that they will not do another HP (all of my reports are on ice anyway bc I have been eyeing the Saks card and I am supposed to be gardening lol). Anyway, I requested the CLI earlier today and I just checked on the status. Instead of the typical “turned down,” the application is still pending and there is a note that says “customer needs reconsideration of credit letter.” What does this mean?

Sorry foI the long post!

[Anonymous]

I’m so over PenFed ! They still giving me the runaround! I did a recon on the 6th was pending until yesterday I had to call and guess what turned down I emailed the corporate board! 2 months ago they told me I would get the ploc in 2 months of ontime payments with them! Did that never late always pay! Well turned now ! Now it’s because I opened 3 accounts with DCU! Really! Y’all said u wanted history with y’all now it’s hiatory all together! And I don’t have anything over 6k in credit so imma go get a AU account with long history and wait a month and apply but I’m seriously done! I’ll move everything to dcu!

[Anonymous]

I've been with Penfed about 8mths now and I just recently logged into my account and noticed the "My Offers" tab. Under the my offers tab, it just says "Credit Card" with an apply button. Does anyone know what that really means? Are their offers more specific thatn that? Cause it just seems unusual that it isn't really specific. Thanks.

[Anonymous]

Yes that is usually a pre approved if it says my offers and not other offers! U should be good to go!

[Anonymous]

I've had the Penfed Power Cash Rewards for about 8mths, would that "Credit Card" offer be good to ask for a CLI instead? I really don't need another card right now and I'm currently in the garden.

[Anonymous]

I believe u saw somewhere on this thread that you could use it to increase the limit on the card you have rather than a whole new card. Click on the one you already have and see if there is an option? Someone else with more knowledge will probably come on here and give you a more definitive answer.

[Anonymous]

Yes from everyone I spoke to you can get the increase instead of a new card! Call them and ask but if u go to your credit card u should see the option if not just call them and tell them u want the increase and not the 2 nd card offer! Congrats!!! They don’t like me lol

[masscredit]

Thanks for posting this info. I would have never known about that! Hopefully I see one of those offers soon.