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Penfed Gold Card approved - bit disappointed

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Valued Contributor

Re: Penfed Gold Card approved - bit disappointed

Congratulations on your PenFed Gold approval!



Current FICO 8:

Credit Age (EX/TU):

Inquiries:


Message 11 of 18
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Moderator

Re: Penfed Gold Card approved - bit disappointed

Grats on the Gold card Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 12 of 18
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Regular Contributor

Re: Penfed Gold Card approved - bit disappointed

Congrats, take it and run!








Capital one 500, Discover 2100. UMB Signature visa 10k.
AAOA 1y8m, oldest 2y5m. 0 collections. Util 1% inq 1/12. 1/24. 30/60/90 = 0, NO BK, judgments, clean record. Rebuilding started 2.5 years ago.
Starting Score: 560
Current Score: 774
Goal Score: 850


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Message 13 of 18
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Frequent Contributor

Re: Penfed Gold Card approved - bit disappointed

Congratulations with your new Penfed account.  
Similarly, I too just joined.  Haven't done anything yet with them other than establish membership.

Seems like you're on a good start!!!

Message 14 of 18
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Valued Member

Re: Penfed Gold Card approved - bit disappointed

TY all for the well wishes - true enough, I should be grateful I was extended credit, given these times and the fact I have no relationship with PenFed.

 

On top of which the account rep I dealt with bent over backwards to get me my membership, so yeah, enough whining on my part!

Message 15 of 18
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Valued Contributor

Re: Penfed Gold Card approved - bit disappointed

WOO! Ride that PENFED train! Congrats on the approval!

  

  
  



RECORD HOLDER
& KEEPER OF
THE GOLDEN SWORD!

golden_sword.png

EQ FICO RESILIENCE INDEX
06-29-2020

Dogbert

76

3

64

04-03-2020

Message 16 of 18
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Established Contributor

Re: Penfed Gold Card approved - bit disappointed


@AllZero wrote:

@sb48 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.


Question about creditchecktotal : I already have the FREE Experian account, which I sometimes order the non-free one on occasion and then cancel before payment is required. CCT says they are part of Experian - can you have a CCT account AND a FREE EX account - or when I try to set up a CCT account will it say you are already a member?






Potential Future Cards

Message 17 of 18
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Super Contributor

Re: Penfed Gold Card approved - bit disappointed


@Wavester64 wrote:

@AllZero wrote:

@sb48 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.


Question about creditchecktotal : I already have the FREE Experian account, which I sometimes order the non-free one on occasion and then cancel before payment is required. CCT says they are part of Experian - can you have a CCT account AND a FREE EX account - or when I try to set up a CCT account will it say you are already a member?


@Wavester64 .I do not think you can have both. I think system will recognize you all ready have an account?

Message 18 of 18
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