Penfed Pathfinder Approval!

wantitgone · ‎05-01-2021

I signed up for Penfed last July. Had only a savings open since then until two months ago, now I've got $50 in a checking account. Anyway, I was going to take the recent NFCU Flagship & auto refinance as a win to the garden for a while, but thought I would see if Penfed would approve me considering they have that nice bonus on the Pathfinder. I have enough in bills I can easily run $3k through in 90 days. And after a torturous spin, they did! $10k at 16.99%. My account shows my EQ 9 score as 685. all my dps are in my siggy YAY!

Now, seriously, no more CC's for me for a while. Somebody ground me

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.

AllZero · ‎05-01-2021

Congratulations on your approval!

CreditMagic7 · ‎05-01-2021

Absolutely outstanding! Congratulations on capping things off with that PenFed approval!

M_Smart007 · ‎05-01-2021

Congratulations on your Pathfinder approval!

wantitgone · ‎05-01-2021

Thank you all

FICO 8 on 5/31/19 ~~ EQ: 608, TU: 545, EX: 585
BK 7 DC 7/9/19
FICO 8 on 01/31/2023 ~~ EQ: 693, TU: 677, EX: 678

NFCU CLOC $1,000

Apple Card 4,500
Williams Sonoma $1,250
NFCU CashRewards $2,500
NFCU Flagship $12,100
Navy Federal Platinum $25,000
PenFed Pathfinder $12,500
Kemba CU Platinum $3,500
Amazon Store Card (Synchrony) $1500
Paypal Credit $850
Capital One QS $2,000
Capital One Spark $2,000
Overstock Store Card $2,150

AAoA: EQ - 7y9mo, TU - 7y8mo, EX - 5yr7mo (as of 01/31/2023); INQ are 2 EQ, 6 TU, and 5 EX.

New Auto Loan with NFCU (May 2022): 32k for 3.49%/60 months

My DPs: as of January 2023, I am full-time employed, 55k/year, 2 federal consolidated loans plus 3 new student loans, had perfect payment history with 0 derogs until 90 day lates prior to filing BK in March 2019.

CreditAggie · ‎05-01-2021

Congratulations on your PenFed Pathfinder approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

gdale6 · ‎05-01-2021

Grats on the Pathfinder approval!

Mr_Mojo_Risin · ‎05-01-2021

Someone show @wantitgone the way to the garden! 🤣 Nah, congrats on all your recent approvals! Cheers

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL

MyDataMyChoice · ‎05-01-2021

Congrats!

All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

Lines of Credit:
Personal Loan:

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450