***Update*** NOW happy with Penfed :)

[Anonymous]

They ignored my request for a fresh pull and used one from March. Again, no personal response. Just a generic form letter in the message center:

Your Credit score: 608 Date: 03/12/2016

[AverageJoesCredit]

I wish that Amex was desparate . Those of us who included them in BK , most of us who are blacklisted anyway, are on the outside looking in. Im almost 10 years since my BK7 so i probably have another 10 to 15 years before they even look in my direction if im lucky. Never knew too much about credit or scores when i was younger no one ever taught me or i would have tried my darndest to not include Amex in BK . If they are desperate please let me back in id do it right this time

[Anonymous]

Ahhhhh -- 608 is a tad low for them i think, i saw your score was 635....forgot that was FICO 8, even though 635 may be low for them too.

Personally Id app for the GOLD, as it can start as low as 500$ CL ... Recon if denied on that, because it may go better for you

[Anonymous]

My apoligies -- I see you apped for Promise, which is pretty much the same in terms of SLs .... Maybe try giving a call and stating your case directly to a Supervisor LO

[Anonymous]

I know it's low Joey...this is why I asked them to do a fresh pull. Either way...I've moved on. I refuse to let one lender get me down. Thanks for your input.

[bk510]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Thanks for the encouragement Weedeb. It is very frustrating but no real harm done. My EQ score is now 646 so I'll be there soon. I am surprised that I have been able to get cards from Amex, DCU and USAA but not Penfed.I guess not eveyone is a match for every lender. I can't get Discover to even acknowledge my existence 

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Not to hijack your thread, but Amex is getting pretty desperate.  They need to increase subscribership to offset the massive losses (card holders) from recent breakups.  Right about now is the best time for anyone wanting an Amex to apply as they're most likely to approve people while they seek to grow their member base.

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Stop trying to temp us from the garden!

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What breakups? I've been getting email offers from AE recently, but I've burned them in my BK, Do u think I'll be able slip through the crack? lol

[bk510]

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@AverageJoesCredit wrote:
I wish that Amex was desparate . Those of us who included them in BK , most of us who are blacklisted anyway, are on the outside looking in. Im almost 10 years since my BK7 so i probably have another 10 to 15 years before they even look in my direction if im lucky. Never knew too much about credit or scores when i was younger no one ever taught me or i would have tried my darndest to not include Amex in BK . If they are desperate please let me back in id do it right this time

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+1, you took the word right out of my mouth,

[bk510]

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@Anonymous wrote:

Ahhhhh -- 608 is a tad low for them i think, i saw your score was 635....forgot that was FICO 8, even though 635 may be low for them too.

Personally Id app for the GOLD, as it can start as low as 500$ CL ... Recon if denied on that, because it may go better for you

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I got my promise SL 1.5k with 645(next gen), but my fico 8 at the time of approval was 675......... a week later apped for GOLD and got denied for egyptian, lol

This was back in 1st of the year,

[Anonymous]

My NextGen was 687, still got denied for the rewards Visa for the same reasons as OP.

[Anonymous]

Im not sure about letter writing, but I was able to recon with a loan officer over the phone.  Not a big deal at all.  They also agreed to repull my credit if I emailed in written verification.