@sjt wrote:
@Anonymous wrote:Thanks for posting your updated score. I didn't realize PenFed would update Equifax FICO 9 scores on the 1st of the month since they usually do it on weekends.
My score was at 800 in December then fell to 740 after I bought a new truck, so its nice to see it recovering.
So they are offering you auto loans after you got one last December. #TimingIsOff
You could say so, but I didn't finance my truck through PenFed so they don't know I had a recent auto loan.
The finance manager at the dealership steered me to a local credit union which appears to be the captive lender for that dealer. They came within 10 basis points of PenFed's rate so I went with them. In hindsight I might have got taken a bit 
but I'm not going to worry about it.
801, though this was before the new account and inquiry hit, though before AAOA got to 5 years too.
Pretty sure I ain’t over 800 now, though will say not bad for a score with a 30D late a year and a few days earlier. Number of delinquencies is still top reason code too hah.
Anyway I get snail mail pre-approvals from PenFed but never anything in the online interface.
Pretty sure I ain’t over 800 now, though will say not bad for a score with a 30D late a year and a few days earlier. Number of delinquencies is still top reason code too hah.
Anyway I get snail mail pre-approvals from PenFed but never anything in the online interface.
No offers, tho' I've only been a member since January. Access America chequing plus 10K SL PowerCash card. I just auto-deposit the minimum needed to keep the chequing account fee-free, so PF has no way to see/validate my income (which would justify a higher limit; but for a 'legacy' Citizens Bank card that I maintain 'cause it's old, the PF card has my lowest SL).
