Great News from PenFed

[Anonymous]

RTO - Can I ask what are your financials? Any baddies? Scores? Util? Etc.?

[Anonymous]

BK from 2000. 665 score. Util kinda high honestly. Bills are paid on time & have been since BK. Was someone asleep on this one ? Maybe. But, I'll take it all day long

[Anonymous]

PenFed is one of the best regarded FCUs. They have an eligibility link on their homepage.

https://www.penfed.org/membershipApplication/eligibility/elig01.1.1.asp

If all else fails, you can join PenFed by joining the National Military Family Association (NMFA). There's a link right there on the PenFed page to join NMFA. It's $20 for a one year membership, and "Membership in NMFA does not need to be maintained in order to maintain membership in Pentagon Federal Credit Union."

My one regret, after job losses and medical expenses sent me down to Credit H*ll 6 years ago, was that I didn't let other debts default and keep PenFed current. After DW and I get into a house, and after I've PIF our PenFed collection, I might try to open an account with them. Will have to do some recon and find out whether they blacklist, even if you PIF everything you owe 'em.

Message Edited by Noah_Bodie on 08-19-2007 01:09 AM

[Anonymous]

Ok I just joined up and made a deposit. Didn't apply for a credit card though. I talked to a very nice rep to set up my online account. She did say that they pull EQ.

The 5.99% interest rate is on balance transfers. Regular rate is 10.99%.

Visa Gold Credit Card Visa Gold - 10.99% APR!Choose from three card designs: Great money-saving benefits:

• No annual fee
• No cash advance fees
• No balance transfer fees
• No "teaser" rates
• Same low 10.99% APR for purchases and cash advances

The Pentagon Federal Credit Union Visa Gold also gives you a variety of extra benefits including:

• Emergency Card Replacement
• Automobile Rental Insurance
• $100,000 Travel Accident Insurance

Save even more with our low 5.99% APR balance transfer rate, fixed for life of each transferred balance!

[smallfry]

Uh yep.

[Kooliad]

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ObsessedwithmyFico wrote:

Ok I just joined up and made a deposit. Didn't apply for a credit card though. I talked to a very nice rep to set up my online account. She did say that they pull EQ.

The 5.99% interest rate is on balance transfers. Regular rate is 10.99%.

Visa Gold Credit Card Visa Gold - 10.99% APR!Choose from three card designs: Great money-saving benefits:

• No annual fee
• No cash advance fees
• No balance transfer fees
• No "teaser" rates
• Same low 10.99% APR for purchases and cash advances

The Pentagon Federal Credit Union Visa Gold also gives you a variety of extra benefits including:

• Emergency Card Replacement
• Automobile Rental Insurance
• $100,000 Travel Accident Insurance

Save even more with our low 5.99% APR balance transfer rate, fixed for life of each transferred balance!

---

Hey I just join I'm in Air Force and it is so true  they are very nice. I  think I will apply for a card and see what they say. She ask me like a million question ( she said I had a fraud alert on my credit). She told me to call back in 3 hour to see about the credit card. I will cross my finges and see. 

Kooliad

[Anonymous]

Kooliad wrote:

Hey I just join I'm in Air Force and it is so true  they are very nice. I  think I will apply for a card and see what they say. She ask me like a million question ( she said I had a fraud alert on my credit). She told me to call back in 3 hour to see about the credit card. I will cross my finges and see. 

Don't be offended or take it as a bad sign if they ask you to fax them paystubs, bank statements, or other financials. This is common with CUs and small banks. They are NOT AMEX doing F/Rs whenever they please, and they are one of the best regarded FCUs.

[ronq]

I have a FCU CC for a long time my oldest account and I have done a CLI 2 times since Feb. 07.

[Anonymous]

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Noah_Bodie wrote:

Kooliad wrote:

Hey I just join I'm in Air Force and it is so true  they are very nice. I  think I will apply for a card and see what they say. She ask me like a million question ( she said I had a fraud alert on my credit). She told me to call back in 3 hour to see about the credit card. I will cross my finges and see. 

Don't be offended or take it as a bad sign if they ask you to fax them paystubs, bank statements, or other financials. This is common with CUs and small banks. They are NOT AMEX doing F/Rs whenever they please, and they are one of the best regarded FCUs.

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I just joined online also. I guess I have to wait for the materials to apply for their CC because you need a member number and it did not give me one when I joined. Said the materials would be sent and I need to sign the form. I used a debit card to make initial deposit. Will keep you posted. Can anyone confirm they pull Equifax???? That is my best score and I don't have any resent inq's.

[Anonymous]

Give 'em a call. They should be able to give you your member number over the phone.

Penfed appears to be an exclusive EQ puller.