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SL of 10k with APR @Anonymous percent. Disappointed with the rate - thought I could do better with EQ at 761, util less than 3 percent.
Wondering what would qualify for the best rate? Can I product change to the card with rewards this early?
TY. Good news is I got to know what the latest EQ score is as I just saw an email from PenFed and they had the score at 780.
Which hopefully meant the 60 day derog back on Nov 13 is deleted!
Now off to see if 800s are possible!
@Anonymous wrote:SL of 10k with APR @Anonymous percent. Disappointed with the rate - thought I could do better with EQ at 761, util less than 3 percent.
Wondering what would qualify for the best rate? Can I product change to the card with rewards this early?
Congrats on the new card. I am considering this one as well.
From my experience, APR has been determined by other aspects of my report (e.g. INQs, new accounts, AAoA, AAoCC, etc.)
How does your full report look? What makes up that score?
@Anonymous wrote:TY. Good news is I got to know what the latest EQ score is as I just saw an email from PenFed and they had the score at 780.
Which hopefully meant the 60 day derog back on Nov 13 is deleted!
Now off to see if 800s are possible!
You're welcome. Congratulations on your score success. PenFed provided the EQ9 score.
$1 you can obtain your 3 bureau FICO 8 scores and reports at Experian or CreditCheckTotal (part of Experian). Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.
AnnualCreditReport. Free weekly 3 bureau online reports through April 2021.
Congrats !
Congratulations on your Approval..
@lhcole77
EQ inquiries - the latest two was last week when I asked for a CLI (CITI BB), and DCU (card and motorcycle loan) Jan 2020; not counting those there were five from Sept 18.
From 7/20 pull
AAoA: 5 years 4 months
Oldest account: 14 years, most recent Mar 2020.
@Anonymous wrote:@lhcole77
EQ inquiries - the latest two was last week when I asked for a CLI (CITI BB), and DCU (card and motorcycle loan) Jan 2020; not counting those there were five from Sept 18.
From 7/20 pull
AAoA: 5 years 4 months
Oldest account: 14 years, most recent Mar 2020.
Total speculation here, but could be new account and INQs. Those are part of "credit seeking" scoring, and when my APRs have been the highest, my new accounts and INQs were also the highest.
Congratulations on your approval!!