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WHOA!!! PenFed - 17.5 SL- 2 years post BK

tag
cashorcharge
Community Leader
Super Contributor

Re: WHOA!!! PenFed - 17.5 SL- 2 years post BK

Outstanding!  Congratulations!!!

Message 11 of 47
Anonymous
Not applicable

Re: WHOA!!! PenFed - 17.5 SL- 2 years post BK

Congratulations!

Message 12 of 47
FireMedic1
Community Leader
Mega Contributor

Re: WHOA!!! PenFed - 17.5 SL- 2 years post BK


@Phoenixupward wrote:

Thank you.  I have worked extremely hard but I've gotten so much help from this forum especially from @FireMedic1  I believe in learning from your mistakes.  


Thanks for the kind words. Man you hit the flippin jackpot. Congrats @Phoenixupward Massive!!!!!!!!!!!!!!!! Smiley Very Happy


Message 13 of 47
CreditAggie
Community Leader
Super Contributor

Re: WHOA!!! PenFed - 17.5 SL- 2 years post BK

Congratulations on your PenFed Power Cash Rewards approval and nice SL!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 14 of 47
mrcraft
Valued Contributor

Re: WHOA!!! PenFed - 17.5 SL- 2 years post BK

Congratulations on your approval!!



Message 15 of 47
Shooting-For-800
Senior Contributor

Re: WHOA!!! PenFed - 17.5 SL- 2 years post BK

PenFed can be quite generous if they like you. 

Congrats!

 

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!



Message 16 of 47
Phoenixupward
Regular Contributor

Re: WHOA!!! PenFed - 17.5 SL- 2 years post BK

I'm stunned. I still can't believe it.  I keep looking at my confirmation email and my eyes are not deceiving me.  But, I want to thank you. You have given me such awesome advice.  You told me to stop applying which I did and allow my accounts to age.  I utilized the AZEO method which has worked well for me. When I apped today, my utilization was 1% and my EQ score was 701.  Again, thanks for the kudos.  It's because of your awesomeness I'm experiencing this credit victory. Blessings. 

Message 17 of 47
Phoenixupward
Regular Contributor

Re: WHOA!!! PenFed - 17.5 SL- 2 years post BK

 Thank you. I guess they do.  They like me.  They really, really like me 🙂

Message 18 of 47
wantitgone
Contributor

Re: WHOA!!! PenFed - 17.5 SL- 2 years post BK

Congrats! I've recently joined Penfed and this gives me hope, being 1 year post bk, that once I hit the 2 year mark, things might actually work out for me. Smiley Happy

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.
Message 19 of 47
gingerflower
Valued Contributor

Re: WHOA!!! PenFed - 17.5 SL- 2 years post BK

@Phoenixupward 

Happy dance for you! Smiley LOLSmiley LOL Congratulations on your awesome SL! 👍

Message 20 of 47
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