@Anonymous wrote:
Dont even think of applying for penfed with credit score of 631. My EQ score
was 675 and they rejected me and EQ is my cleanest report. I got
credit card from almost every one except PENFED. They look
for perfect credit.
Hey, ashabbir, good to hear back from you!
Don't know about perfect credit, because they just let me in last week, and I got their gas card and car loan, and I am seriously imperfect.
I think what they do like are few inqs, low util, definitely no BK's or collections, or some combo of the above. If your records are pretty clean and calm, 680 and above seems to work, although they will cheerfully take higher. I was EQ 728 with still a ridiculous number of lates, the most recent 11 months old, but no inqs, util under 1%, no other derogs.
* 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
