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

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Regular Contributor

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

Thank you.  You are on a good start for rebuilding.  I use the AZEO method religiously.  When I apped my score EQ score was 701 and my utilization was 1%.  I have 1 student loan.  Keep the faith.  I burned everyone except for Amex and Discover. I burned cap 1 but they took me back at 1 year post bk discharge.  Good Luck. 

Message 21 of 47
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Valued Contributor

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

Congrats on the approval!

Message 22 of 47
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Regular Contributor

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

Wow congrats!! This is the first card I'm going for after I close on my house in November.  I've been a penfed member since May and the other day I received an offer in the mail to apply for that card, so hoping I can get approved when the time comes!



NFCU Cash Rewards $18,500
NFCU More Rewards Amex $6,500
Merrick DYL $1,400
Discover Secured $200
NFCU CLOC $500
Message 23 of 47
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Frequent Contributor

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

Congrats! Well done! I'm hoping to try for the PCR in February of 21. I hope I can achieve something like that!




Discover 22K ---------------------------- Credit Union MC 12K
Cap1 QS 10K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 22K
2 Installment loans:
Auto 15K / 39K ---------- Auto 28K / 39K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 24 of 47
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Regular Contributor

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

Thank you.  I'm still riding high.  My EQ at the time I apped was 701 and my utilization was 1 percent.  No recent inquiries.  I decided to try because I knew I had received some nice CLIs that would offset the temporary ding to my credit report for the inquiry. Good luck and have patience.  

Message 25 of 47
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Regular Contributor

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

Thank you. I see your Bk was discharged in October 2018, my BK was discharged July 2018. It's good to hear that you are preparing to buy a house this year.  It's actually a great time to buy because the interest rates are low.  Good luck and I hope you find the home that you desire.  🙂

Message 26 of 47
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Established Contributor

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

@Phoenixupward  Super Congrats on your monster PenFed approval!!! Smiley Very Happy

Message 27 of 47
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Regular Contributor

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

Thank you. A few moments ago, I logged into my PenFed account and my new account has been added🙂.  This financial accomplishment really perked me up and brightened my summer.  🙂 

Message 28 of 47
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Frequent Contributor

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

@Phoenixupward 

Grats on the great PenFed SL.

 

Please post about your CapOne upgrade too.

 

Message 29 of 47
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Regular Contributor

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

@NoMoreE46  My Cap 1 was automatic.  I received an email stating how excellent  I handled my account and invited me to upgrade  to Quicksilver.  I have a few recurring charges per month. I don't use my Cap 1 that much outside of those charges. 

Message 30 of 47
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