Also, I sent a lovely signed essay to penfed and got a response that they've forwarded it onto a processor, so we'll see if my appeal or plea for innocence is well received by them or not 
any word yet from PENFED nitrov??? Call again and get a better CSR / Supervisor !!
EDIT: LOL weirrrrrd! Same time!
I'm telling you I'd call and ask if you can speak to a supervisor regarding a recently submitted recon letter. IME, Penfed is MUCH better when you actually speak to a live body - unlike CHASE for example lol. Never call UW there! PenFed has VERY nice, down to earth LOs. But to each their own! Best of luck OP
LOL..I didn't ask..I just sent them in. 
Chances are they've already SP'd you. You haven't been at your current address more than two years? I wasn't either when I applied.
Also you do not have to be a member in order to get their products. Getting them by way of a SP is the only reason to join.
@gmood -- you're such a rebel, I love it I have been at my address for more than 2 years! That's what I find so weird. I own my home so it's not like I can make that up lol they can see the mortgage payment on my credit report so why do I even need to verify? So silly. I haven't gotten an alert that I got an HP so hopefully it is just a SP. Trust me, I'm an addict, I'd love some low-hanging $25k CLs LOL but I'm not climbing to the top of the tree for it.
@joeyzoom so funny! That guy I spoke to yesterday annoyed me so much. Like I'm a finance professional for a living a "pyramiding debt," really?? Lol that's a new one for me. I only know about it at all cuz of these forums and asking after seeing people say "penfed called me Egyptian" and wondering whiskey tango foxtrot
I have been at my address for more than 2 years! That's what I find so weird. I own my home so it's not like I can make that up lol they can see the mortgage payment on my credit report so why do I even need to verify? So silly. I haven't gotten an alert that I got an HP so hopefully it is just a SP. Trust me, I'm an addict, I'd love some low-hanging $25k CLs LOL but I'm not climbing to the top of the tree for it.@joeyzoom so funny! That guy I spoke to yesterday annoyed me so much. Like I'm a finance professional for a living a "pyramiding debt," really?? Lol that's a new one for me. I only know about it at all cuz of these forums and asking after seeing people say "penfed called me Egyptian" and wondering whiskey tango foxtrot
@Anonymous wrote:any word yet from PENFED nitrov???
EDIT: LOL weirrrrrd! Same time!
I'm telling you I'd call and ask if you can speak to a supervisor regarding a recently submitted recon letter. IME, Penfed is MUCH better when you actually speak to a live body - unlike CHASE for example lol. Never call UW there! PenFed has VERY nice, down to earth LOs. But to each their own! Best of luck OP
Got a call from a nice lady at Penfed verifying it was me submitting the request due to my fraud alert on my credit, hopefully that doesn't mean they're doing another HP. She said it was going to a senior lender and that I should be able to see an update online within 1-2 hours. I'll keep an eye on the site and let you know what happens! I like to think my letter was pretty convincing, but time will shortly tell lol
@Anonymous wrote:any word yet from PENFED nitrov???
EDIT: LOL weirrrrrd! Same time!
I'm telling you I'd call and ask if you can speak to a supervisor regarding a recently submitted recon letter. IME, Penfed is MUCH better when you actually speak to a live body - unlike CHASE for example lol. Never call UW there! PenFed has VERY nice, down to earth LOs. But to each their own! Best of luck OP
GET OUT OF TOWN!! THEY APPROVED ME FOR $20K!! WOWWWWW
Totally never saw THAT one coming!!
I guess my letter really was convincing
Thank you for pushing me to get the recon!! Would've never done it without you guys! WOOHOOOOO!
WOOOOOOOOO!!!!!! Told you !!! PenFed ROCKS!!!!!!!
Honestly, from what i've experienced and read here and on CB's, I have to say PenFed MAY BE the absolute best at recons out of most lenders. I'm seeing well over 50% approved on recon, if not pushing 75% of those I've known personally, read online and MYSELF Amazing!!!! I'm gardening my CL with them until end of summer -- then going to close a few unused trade lines and hit them up for the big 5-0 (50k) lol!!! I'd absolutely melt over a $50,000 CL ! Probably sounds sappy -- dont care! I've clawed my way back from sub-500 scores just 18 months ago to high 600s-low 700s, and counting !
So happy for you Nitrov! All the best my friend -- treat it well now, and in 4-6 months you could be looking at 30k - 40k easy !!! Enjoy !!!
*EDIT to add: I closed my PLAT. Rewards card with them and moved the CL to my Cash Rewards for a total limit of $22.5k just last week !! Interest rate is way better on my Cash Rewards card, and between my travel nursing job & my travel for pleasure down the Cali coast all summer, that will majorly come in handy !!
@Anonymous wrote:WOOOOOOOOO!!!!!! Told you !!! PenFed ROCKS!!!!!!!
Honestly, from what i've experienced and read here and on CB's, I have to say PenFed MAY BE the absolute best at recons out of most lenders. I'm seeing well over 50% approved on recon, if not pushing 75% of those I've known personally, read online and MYSELF
So happy for you Nitrov! All the best my friend -- treat it well now, and in 4-6 months you could be looking at 30k - 40k easy !!! Enjoy !!!
I'm honestly very pleasantly surprised. When the girl called to ask about the ID verification she asked if I wanted a BT and I hesitated cuz I thought it was a test LOL (what with the whole pyramiding debt thing), so I just said no, but I also had no clue how much they'd give me so I don't want to BT without knowing how much available CL I even have. Oh, TRUST ME, I would do backflips over a $50k CL. I didn't even know they would go that high on a CC. I'm mildly debating asking for that PLOC now, but I don't know if I want to push my luck, especially for something like a $5k CL on that now since they've been pretty generous lol. I mean, my CL on this card was literally $5000 a month ago, and now it's 4x that, so I really can't complain. I wonder if I'll have to close some smaller accounts to see another big CLI from them in the future. I just got approved for Marriott ($25k) and Citi Prestige ($17.5k) and they haven't hit my credit, so I have a feeling they won't like seeing those if I go to CLI in a few months lol.
I also feel your pain on the crazy credit journey. I had around 800 scores across the board about 10 years ago, then my identity got stolen and my credit went in the toilet. It's taken me YEARS to build my credit back up to where it was. I have way more accounts/available credit now than I did before, but my scores still are below 750 so I really want to get them in the 750+ range pretty badly. I just need time. Thanks for your help again!!
Congrats on your CLI!