Thanks a lot boss will check out the other section, and I do plan to call PenFed and NavyFed tomorrow as well. I sincerely appreciate the advice of everybody who posted in this discussion!
@Anonymous wrote:I really think you shouldn't obsess too much over what your SL (starting limit) will be. From everything I've read in this thread, it seems to me that you're in a credit-building situation (nonetheless, you should still read the Rebuilding Your Credit section because it has much valuable information for people working on building their credit), so it's likely that your SL will be fairly low to start with., unless you select a secured card that you can fund with a 4-figure deposit. Work on growing whatever account you get, at whatever line you're given, for several months, keeping your utilization within reasonable limits (the lower the better) and either paying in full or at the least paying as much over the minimum as you can and always paying on time, then after your first few statements have dropped and been paid - the number will vary from card to card, so it's important to read other MyFICO members' reports of their own experiences - go to the issuer and ask for a CLI (credit line increase), preferably phoning their "backdoor" credit department numbers to bypass the online algorithms and low-authority online chat technicians and speak directly to credit specialists who have the authority to grant CLI's under more liberal circumstances than online/automated application facilities.
@Anonymous wrote:Fortunately I haven't done any hard pulls yet, I get the impression I will get approved, my fear is that will be for $1K, which will defeat the whole purpose
But I am going to give them a call and see what kind of assurances I can get before a hard inquiry is done.
@Anonymous wrote:If you do go with Penfed, you should probably be sure that you haven't applied for a significant number of cards or other loans in the near term before you try them. They're known to be inquiry-sensitive and sensitive to numbers of recent accounts added, what they call, in their term of art, "pyramiding" debt. So either start with them first, or wait a few months at least after having secured other cards/loans to build a payment history and let the other HP's age before going to them. I've been thinking seriously about Penfed myself because I have a very longstanding relationship with them, literally all the way back to high school nearly 40 years ago when my parents opened my share account there, arranged my student loan through them originally (before refinancing it with Sallie Mae,and now I'm actually considering going back to them again if they can offer a better rate for the remaining principal), and have had two car loans with them including my current one. All that being said, I do have the considerations I listed above affecting any potential credit-card application.
@Anonymous wrote:
Hmmm...if they were paid off in 2009 they should be off your report by now. Have you actually looked at your reports recently?
I thought good TL's stayed for 10 years and neg. TL's for 7?
No worries and thanks for the feedback 
To the rest of you guys again thanks as well, I will keep everybody updated after I submit my applications, keeping my fingers crossed!
@Anonymous wrote:
Oops! With everyone referencing the need to rebuild, I lost track of the paid off accounts being good. Pay attention to MedicGrrl, not me.
Where did you get those Credit Scores you mentioned. Do the spcifically mention the word FICO?
If you havent had a creit line that has reported in te last 6 months, then you shouldn't be able to generate a FICo score. So its making me wonder about those scores.
@Anonymous wrote:
I got them initially from credit karma, then directly from the credit bureaus themselves to reconfirm.
@Themanwhocan wrote:Where did you get those Credit Scores you mentioned. Do the spcifically mention the word FICO?
If you havent had a creit line that has reported in te last 6 months, then you shouldn't be able to generate a FICo score. So its making me wonder about those scores.
Sounds like you may not have actual FICO scores then. I think what you have pulled are all Vantage scores. Go to creditchecktotal.com and see if you can pull your scores there. It's $1 trial membership and they pull FICO's