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Pentagon Federal Credit Union Data Share

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Anonymous
Not applicable

Re: Pentagon Federal Credit Union Data Share

Hi Everyone, 

 

Thought I share my DP for anyone intrested in Penfed

 

Product approved and Limit: Power Cash Rewards $3,500
EQ 08 Fico: 681
Instant or Review: Instant

POI: None

AAOA: 8 years 10 months
Derogs?: BK7 Discharged 7/26/2018

Util: 15%

Total EQ Inquiries: 0

Last 12 months: 0

Last 6 months:0

New Accounts in last 12 months: 0
Last 6 months: 0

 

If I did not see all these updates of approvals, I would have not have the courage to apply. Thank you all!

Message 5771 of 5,922
newmomnewme
Valued Contributor

Re: Pentagon Federal Credit Union Data Share

I started my application, but when I tried to upload my ID, SS card and utility bill, it wouldn't accept my documents. 

Should I call in tomorrow or try again? My EQ and EX are frozen. Which score do they pull for cc? 

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Message 5772 of 5,922
Anonymous
Not applicable

Re: Pentagon Federal Credit Union Data Share

They pull EQ. And they will inform you that you need to unlock it and then remind you to relock it again.

And yes, you should call them, they are very helpful over the phone.

 

And to an earlier poster, you should call them too, instead of waiting in the queue. That's what I did during each follow up step during the income verification and such. I was always polite and appreciative of their help and they were more helpful for it.

My application had been sitting for a few days with no updates, FYI.

 

 

Message 5773 of 5,922
newmomnewme
Valued Contributor

Re: Pentagon Federal Credit Union Data Share

Thank you @Anonymous EQ FICO8, FICO8 Bank Card or another? Is a recent (Covid) min required score listed somewhere in this thread? 

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
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Message 5774 of 5,922
Anonymous
Not applicable

Re: Pentagon Federal Credit Union Data Share

Power Cash Rewards - SL 5k Approved in July 2020 - 3 months after BK discharge. 
EQ 08 Fico: 679 - This is what the sheet said,  I have a 660 right now. 

Instant or Review?: Instant 

POI? No

AAOA: 3 years, 9 months 
Derogs?: BK7 - Discharged 4/15/2020

Util: 2%

Total EQ Inquiries: 4

                Last 12 months: 0

                Last 6 months: 4
New Accounts in last 12 months: 0
                                 Last 6 months: 3

 

Been a member since 2015($5 left in savings), which I believe influenced my approval. 

Message 5775 of 5,922
newmomnewme
Valued Contributor

Re: Pentagon Federal Credit Union Data Share

I just joined and opened a savings account with $100 deposit today. 


Power Cash Rewards - SL 3.5k
EQ 08 Fico: 662

PenFed HP - 2 (1 membership, 1 CC app)

Instant or Review?: Instant 

POI? No

AAOA: 8 years 7 months
Derogs?: 2018- All Paid 1 CO 2 CA  1 30 late

Util: 49%

Total Non Mort EQ Inquiries: 2

Last 12 months: 1

Last 6 months: 1
New Accounts: 1

Last 12 months: 1

Last 6 months: 0

 

1st statement cut 9/25

Reported to EX 9/26

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
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Message 5776 of 5,922
cashorcharge
Community Leader
Super Contributor

Re: Pentagon Federal Credit Union Data Share

Haven't been a member long.  App'd for the Power Cash previously and was approved.  Decided to ask for another this week

 

Gold Visa - SL $15,000

EQ HP Fico 834

Reviewed...took 1 week to finalize

No POI

AAoA 9.3 years

No Derog

1% Util

4 new accounts in the last 12 months..all in the last 6 months

Message 5777 of 5,922
newmomnewme
Valued Contributor

Re: Pentagon Federal Credit Union Data Share

@cashorchargewas it another HP?  I want to know if I should app for a 2nd card now too or leave it alone until an offer shows up?

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Message 5778 of 5,922
cashorcharge
Community Leader
Super Contributor

Re: Pentagon Federal Credit Union Data Share

@newmomnewme It was for me, yes.  I did not get a pull when I joined, got a HP for the 1st card and another for this card too

Message 5779 of 5,922
newmomnewme
Valued Contributor

Re: Pentagon Federal Credit Union Data Share

Thanks @cashorcharge I will promptly got sit down now....I have 3 on EQ now.....2 from PenFed UGH. 

I called to ask if they would pull again for a reconsideration request. CSR said no, just send the request through secure message since the recon request must be in writing. My EQ will be frozen tomorrow, so no more HP. I will let you all know how the recon goes.

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
Take the myFICO Fitness Challenge


Message 5780 of 5,922
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