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Pentagon Federal Credit Union Data Share

Established Member

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 5,392
Frequent Contributor

Re: Pentagon Federal Credit Union Data Share

@somewhere you can always ask them and they will pull a new CR.
FICO8
5/17 EX 550 EQ 560 TU 555
11/17 EX 722 EQ 720 TU 746
Penfed promise 9K- Penfed PCR 1k - NFCU Cash Rewards 500 -NFCU CLOC 7.5k - NFCU Auto loan 22K - Walmart 10k- Dicks Rewards 10k- Credit One 500- PayPal2% MC 2K- Stash Hotel’s Visa 7.9K -Cheapo Air Visa 2.4k - Williams Sonoma 2.6k - Boscovs 4k -SPGV 4.5K - Amazon 10K- VS(FTW)1k - Fingerhut 1.3K- BP VISA 1K - Indigo 300
WAY TOO MANY INQ's
NO. MORE. APPS. NEED. GARDEN
Message 4992 of 5,392
Valued Contributor

Re: Pentagon Federal Credit Union Data Share


Chefduane 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.

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 6/26/18:TU 665/EX 697/EQ 685 FICO 8 or 682 FICO 9 (Penfed 5/18), VS 3.0 7/13/18: TU 707/EX 703/EQ 701. $81,100 revolving credit as of 7/11/18; $4800 Discover It, $5000 Walmart Store Card, $5500 Discover It #2 (new 3/12/18), $6000 Paypal 2% CB MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $8800 Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening (except CLI's) from 7/3/18 to at least 1/3/18. 22 HP inqs total as of 7/3/18: 9 TU, 9 EQ, 4 EX (about half over 1 year old).
Message 4993 of 5,392
Established Contributor

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 5,392
Valued Member

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.



,


FICO 8 09/15/2017 TU 701, EQ 686, EXP 675 AAoA 1.3 years
World's Worst Gardener
Message 4995 of 5,392
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 5,392
Senior 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?

FICO 08 Scores (Jun-18): TU 795, EQ 797, EX 791

Message 4997 of 5,392
Valued Member

Re: Pentagon Federal Credit Union Data Share

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



,


FICO 8 09/15/2017 TU 701, EQ 686, EXP 675 AAoA 1.3 years
World's Worst Gardener
Message 4998 of 5,392
Frequent Contributor

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

From $900 available revolving credit to $184,800 in 16 months. It's been fun ...
Message 4999 of 5,392
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 5,392