Pentagon Federal Credit Union Data Share

[mrldp40]

I noticed that mine has disappeared from site today .hoping them fix it soon

[AverageJoesCredit]

Hey joe, last time i checked mine showed the last nextgen score i remembered but claimed its a fico 9. I doubt it . I think those scores cant be relied upon until the actually do the next update. Of course it could just be mine.lol, Pf doesnt "luv" me

@Metech, your income is perfect to "squeeze " more out of PF, so dont be afraid to shoot for other products

[Anonymous]

Thanks for words of encouragement @AverageJoesCredit.

My card should be arriving monday. I was thinking about applying for a LOC on Monday. Just in case i needed to speak with a rep.

Wanted to try to read up more on it also. Such as if i should apply for 25k from the start?  Will they counter if they dont want to give me that ? or will they decline me and then i have to call in.

Also i believe i read in a post that anything over 15k needed income verification ? Seems like most people they only ask for two weeks paystubs if they do want income verification.

If anybody could help with these questions it would really help. Thank you.

[Anonymous]

I decided to try for a CLI on my Power Cash Rewards (currently $3K, made a large payment on it yesterday) since I'm on a little roll today, having gotten CLI's on my Discover and Overstock. I filled out the application and got the note that it's been sent to a loan officer for review, so we'll see what happens.

[chaos51]

My Fico on PenFed's site changed today and the date changed from May to July, so I decided to take a chance and see if they'd show me some CLI love. I was feeling lucky since NFCU took my GoRewards from $11,600 to $18,600 today, a week ago Citi took my Best Buy card from $2,000 to $3,500, and recently Amex took my BCE from $2,000 to $6,000. I was given an increase on my PenFed Cash Rewards from $5,000 (opened in May 2017) to $20,000. I am pretty pumped!

I am pretty much copying what I posted in the NFCU CLI thread for data points, and only changing the scoring differences between NFCU and PenFed:

EQ Fico 9: 715 - 9 inqs on EQ. I have 13 new accounts in 12 months. 9 new accounts in the last 6 months. I have 1% util reporting every month. I have used the card for about $150-$250 every month and PIF before the statement closes (Amex = daily driver). Income ranges between $85k-$95k depending on bonuses. I hope this helps!

[Anonymous]

@chaos, you ARE on a roll...whoo whoo!!!

I'd say congrats but there must be a bigger word than that...wowzer!!! Nice work!!

Guess I don't have to tell you to enjoy the weekend lol!! Brilliant!!

[Anonymous]

@joe81, the LO's at PenFed have been great to me!

My fingers and toes are crossed for you!!

[Gregory1776]

Requested a CLI 3 days ago, with a 2 month old Hard pull from my account opening. I was denied, and learned today that I got hard pulled even after asking the rep to ensure it would use the hard pull from 2 months ago, and he said the system would already do that. 

Called them today and they said that all CLIs would be hard pulls and I mentioned thay HPs last 90 days,.....no??  He said he would not be able to reverse the HP, or erase it. 😦😦😦 RIP, Garden. 😢😢

[chaos51]

I found out an extra datapoint today from my recent CLI from $5k - $20k. My rate went from 17.99% down to 10.99%. I don't plan on ever having to pay interest, but this seemed great that they not only gave me the huge increase, but also dropped my rate pretty significantly. I had the hard pull show up the day after, and I'm okay with taking it.

[Anonymous]

---

@Anonymous wrote:

First of all Big thank you to Baller for starting this thread and everyone that took the time to reply. I read from page 1 until about 175 and then Backwards from most recent to 40 behind that.

It was time for me to step out the garden and join a credit union and here are the results.

EQ 08 Fico: 749
Penfed Nextgen: Not sure

Instant or Review?: Instant

POI?(If yes, what type of proof of income) No proof needed told them 85k

AAOA: 3.2 years
Derogs?: (If you have a BK please list type and discharge date!) 0 Derogs

Util: 22 %

Total EQ Inquiries:

                Last 12 months: 0

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

@Instantly approved for 25k for power cash rewards @ 14.99

Was thinking about maybe applying for a LOC if it will be the same pull ? If i apply and get approved how long will i be there for me to use without actually ever using it ?

I really dont need anything else right now and to be honest with my income i dont think i can squeeze much more out of them.

Thanks again everyone.

Any questions feel free to ask i subscribed to this thread.

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Update.

So i ended up opening up a Access America checking account.  Actually tried to fund it ($500 ) with my BLISPAY to get the 2% cashback. Declined by Blispay LOL. Ended up just using my chase debit card it worked with no problems. Got a fraud verification call from Blispay about 36 hours after. LOL

I ended up also putting on the $500 overdraft LOC. Approved.

Now heres the kicker. I went to apply for the Visa Platinum Rewards. It went straight to Review by loan officer. I waited about a day and half and decided to call in. I spent about 35 minutes on the phone with a regular rep and then it took another 20 minutes on hold with this rep to get a loan officer on the line. ( 1 hour hold time :-O )

Really nice woman on the phone explained to me that i was at the Max credit allowed to me without income verification. Cool no problem. She says its two recent pay stubs. Then she tells me that with the income verificiation i would be able to split the credit limit between both cards......

In my head that didnt make any sense because if i already have the one card at 25k why would i split it in half. At this point i was pretty much over it. She actually offered to withdraw the application and i agreed.

At no point did i expect two 25k cards right out the gate with Penfed let alone one 25k card. I only say this because of my income. Im pretty sure if i made more i would have got way more on the initial approval.

As i data point i do have other comparable limits. Discover 32k Amex 28.5 k  Venture 20k  These limits were built over time though Discover started at 3.5k , Amex 9k , Venture 15k

This was all done under the original hard pull.

Overall im extremely satisfied with Penfed. The hold times are a little outrageous but i am calling in at prime time hours in their defense.

Off to the garden i go to wait until i can get into 800's fico score land.

Good luck everyone.