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Finally New Score Alert! 677, down 16 points, New Account PenFed

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LuvsRetro
Frequent Contributor

Finally New Score Alert! 677, down 16 points, New Account PenFed

Finally  got a Score Alert for my new PenFed, down 16 points - 677 Smiley Sad  my fault!
 
But, that's with Hooters and Walmart at 75% uti, up from about 2%. 
 
I was giving both some luv to get my rewards points up, wanted the cards to post high and then I will pay them to about 4-10%. 
 
WaMu, did not report the 0 balance yet.  I am sure that will make a difference, we will see.
10/01/2017 myFico EQ-778 TU-793 EX-781
11/01/2017 myFico EX-799, Barclays 11-4 Reported: EQ-796 TU-826 EX-799
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: Finally New Score Alert! 677, down 16 points, New Account PenFed

When did you apply?
 
Message 2 of 7
BBYGRL
Established Contributor

Re: Finally New Score Alert! 677, down 16 points, New Account PenFed

Sorry to hear that teamfico. The sane thing happened to me when my new BofA reported. The good news is you should recover those points in a reasonable amount of time.
10/08 - EX 795 / EQ 816 / TU 806
6/09 - EQ 763 / TU 770

Starting Score (2/2010): TU-767, EQ-745
Current Score (2/2010): TU-767, EQ-745
Goal Score (12/2010): TU-780, EQ-790


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Message 3 of 7
LuvsRetro
Frequent Contributor

Re: Finally New Score Alert! 677, down 16 points, New Account PenFed

I applied 12/31/2007 and approved 01/01/2008!!!Smiley Very Happy
10/01/2017 myFico EQ-778 TU-793 EX-781
11/01/2017 myFico EX-799, Barclays 11-4 Reported: EQ-796 TU-826 EX-799
Message 4 of 7
haulingthescoreup
Moderator Emerita

Re: Finally New Score Alert! 677, down 16 points, New Account PenFed


@teamfico wrote:
Finally got a Score Alert for my new PenFed, down 16 points - 677 Smiley Sad my fault!
But, that's with Hooters and Walmart at 75% uti, up from about 2%.
I was giving both some luv to get my rewards points up, wanted the cards to post high and then I will pay them to about 4-10%.
WaMu, did not report the 0 balance yet. I am sure that will make a difference, we will see.



But yay, you have the PenFed!

BTW, you shouldn't have to let high balances post in order to get some luv. CCC's should be keeping track of your balances throughout the billing cycle.

When I was arguing with Citi/Sears about a CLI, they could see that at one point, I had used 80-85% of the available CL, even though I had PIF'd it before the statement. Smiley Wink
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 5 of 7
LuvsRetro
Frequent Contributor

Re: Finally New Score Alert! 677, down 16 points, New Account PenFed

Hauling,
 
           Thanks for the heads up.   I was thinking that they would like it more, if I gave them some interest.   After reading about the crunch and how some posters lines were reduced because of inactivity, then maybe they won't take back what they gave me with my temporary uti.  I am just a bit paranoid.
 
And, I love PenFed!
 
 
 
 
 
 
 
 
 
 
 
 
 
 
10/01/2017 myFico EQ-778 TU-793 EX-781
11/01/2017 myFico EX-799, Barclays 11-4 Reported: EQ-796 TU-826 EX-799
Message 6 of 7
haulingthescoreup
Moderator Emerita

Re: Finally New Score Alert! 677, down 16 points, New Account PenFed



@teamfico wrote:
Hauling,
Thanks for the heads up. I was thinking that they would like it more, if I gave them some interest. After reading about the crunch and how some posters lines were reduced because of inactivity, then maybe they won't take back what they gave me with my temporary uti. I am just a bit paranoid.
And, I love PenFed!


Understand completely about letting them taste a little interest luv. Smiley Wink It's all part of that flirtation thing!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 7 of 7
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