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When to request a cli from PenFed

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tcbofade
Super Contributor

Re: When to request a cli from PenFed

Pen Fed answers the phone on a Sunday evening as well?

 

Gee, I sure wish that I was as important as you are...

02/01/24 Fico 8: EX 757, EQ 803, TU 783.
Fico 9: EX 760 12/16/23, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 31 of 46
chnceit
Valued Contributor

Re: When to request a cli from PenFed

 

All the things you post about things most of the members on here never seen or heard of are very hard to be taken seriously. Just my .02

 

PenFed is known not to approve people with BK's and give CLI's less than a year. People with great credit with no BK dont even get approved with PenFed. 

 

All I gotta say is: http://ficoforums.myfico.com/t5/Credit-Cards/What-to-do-when-you-think-a-poster-is-full-of-it/td-p/1...

 

 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 32 of 46
cmerriott
Valued Member

Re: When to request a cli from PenFed


@chnceit wrote:

 

All the things you post about things most of the members on here never seen or heard of are very hard to be taken seriously. Just my .02

 

PenFed is known not to approve people with BK's and give CLI's less than a year. People with great credit with no BK dont even get approved with PenFed. 

 

All I gotta say is: http://ficoforums.myfico.com/t5/Credit-Cards/What-to-do-when-you-think-a-poster-is-full-of-it/td-p/1...

 

 


Well that's not necessarily true about the Bk, I was approved last week for a CC, with my husband as joint. He has a BK that is showing on his credit and a few collections too.

Myfico EQ 1/12/13 759

Barclays $6,300, NAVY FCU $25,000, CITI dividend $4,500, AMEX HH $16,800, AMEX BCP $6,000, BofA 123 $9,900, CAP ONE VENTURE $7,500, CITI forward $3,000, DISCOVER IT $10,000, GECRB/LOW $10,000, GECRB/SAMSDC $10,000, SPIEGEL $1,150, WFNNB/BUCKLE $1,100
Message 33 of 46
astritaho1979
Frequent Contributor

Re: When to request a cli from PenFed

Plus uno=+1Smiley Happy


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 34 of 46
astritaho1979
Frequent Contributor

Re: When to request a cli from PenFed

Look i didnt just had credit back in 07 before the bk but a super credit.I had almost 10mil in credit.business and personal

Now, why will a prime lender like PenFed give credit to a post bk7 borower like me? Thats a good question and hard to work with if you dont know the facts

When someone like me in my situation apply for credit to a lender like that,they dont only look at the fico score but at the hole credit picture.Mortg,Credit card,Autoloan,LOC,Open accounts history,closed account history,EVERYTHING.

I might have had bk 6 yrs ago because of the economy crashed and every lending industries had loses in every corner of the planet,But the fact remain that i got potential

in their view.Oh and by the way i didnt burn PenFed back then.So yes i might have had a bk in the past but i have adopt to the future.

Believe me i say that lenders have alot more resources to analize us in any possible way to prevent loses on credit they might consider extending.


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 35 of 46
Dustink
Valued Contributor

Re: When to request a cli from PenFed

"hole credit"

 

enough said

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 36 of 46
chnceit
Valued Contributor

Re: When to request a cli from PenFed

Cmerriott. Do you have a BK reporting?? You said joint with Husband. This is a different situation. Correct me if I am wrong but they based approval on your credit first then his.

Astri. Lenders dont care what you had before. They care what currently is reporting. This is why they pull your credit. If they went off of info 10 years ago and not current then what is the sense of current credit reports and scores.

Like I said PenFed denies people with no BK, perfect credit and no blemishes for members on here as reported. But someone who has a BK from 07 and sole applicant got approved which is unheard of on here from this corservative lender.

See my point. Thanks!

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 37 of 46
jake619
Frequent Contributor

Re: When to request a cli from PenFed

WOW!  Four pages and it still isn't locked?  Could be a record...

Message 38 of 46
Shogun
Moderator Emeritus

Re: When to request a cli from PenFed

Smiley Sad

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 39 of 46
sandman2435
Established Contributor

Re: When to request a cli from PenFed

I was approved for a card.with a BK7 that is 9 years old..20K limit

Message 40 of 46
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