So I want to apply for the penfed bill consolidation loan for 14500.00 (so I have all my debt with penfed)
My total CL's are 101k, total debt is 26k (11k on penfed card, 4.7k on bofa, 10k on citi cc)
I have had (2) penfed cc's since 2014. One has 15k limit, 10k bal, other one has 5k limit, 300.00 bal
I had 14k auto loan with them PIF recently
They say they use EQ "EQ score" not fico. Mine is 627
Have 56 % utilization
Income 165k
fyi..I paid off all my debt other then 26k...just nothing has updated on CR yet.
So, should I try my luck or wait ?
I am getting really eager to try.... I don't wait well....
