PENFED Lowest Score?

MyDataMyChoice · ‎11-13-2014

2 Questions

What is the lowest score required for PENFED

and who do they pull?

Will a EX 682 get in?

Also, Do they offer any 'businesss' cards?

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

NRB525 · ‎11-13-2014

I was denied last month, due to too high utilization on three cards, and probably due to the overall level of my total balances as well.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Involver · ‎11-13-2014

Your EX score won't matter.

They will use EQ NextGen.

I wouldn't recommend joining unless you have a clean EQ report.