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Op, with Penfed you have to be honest regarding your salary when you app ( they may reques POF). They aprove ppl in mid 600's fico9. Every prifile is unique and has pros and cons. Personally, I was aproved 2 yrs post D/C.
Best of luck.
@J-F168 Thanks for the data point. I'm not sure what my Fico9 is, but Fico8 is 672 EQ. I'll definitely wait till the 2 year mark just to be on the safe side.