Lol, yes my reports are graveyard for Navy hps but not as bad as Boa or useless ones done for Chase or other banks that have nothing to show for. Thus i want to strive for 0/24
Wasted a EQ hp today. I was only trying to open a savings account for now and get a free EQ-08 score.
I was thinking I might apply for credit down the road after I tried Penfed again in a few months.
After submitting an application on Sunday, got an email Tuesday.
There was no previous email with a link to my application and I looked all over the site but couldn't find a way to log in there either.
So, I called the number. Tuesday the office closed early for employee appreciation activities. Today, I call again and they answered. They asked for SSN and requested I unlock Equifax report, alright.
Next part is where it went south for me, the standard questions from your credit report to verify your identity. There seemed to be an unusal amount of questions that the answers were "none of the above". I asked to repeat several of the multiple choice answers because most were unfamiliar. After 3 rounds I apparently screwed up each and every time. The whole time I was staring at my EQ report on CK as a reference. Not sure where the error was, innacurate questions, poor pronunciation on the CSR's part, a mishearing on my part.... a small part of me even suspects it was done on purpose because they didn't like something on my application.
Anyways, after that its "you are locked out for 30 days or you can come into a branch to verify your identity." That's not very convienient being a couple thousand miles away.
I'm not too happy with the experience, mostly the needless HP. They are just doing their job to prevent fraudulent credit apps though and I guess its a little comfort its not easy to guess your way through.
The service was just average. The CSR wasn't rude at all but also didn't go out of the way to be helpful.
Maybe I'll try again in 6 months or a year but for now I'm a bit put off. I guess I'm stuck doing the $1 CCT trials every month to get that last FICO 08 score.
Indeed not. For Schneeshees sake i hope for better results
@DaveInAZ wrote:
@AverageJoesCredit wrote:
Recently tried for the cash back visa as it seems there are some interesting 5% rotating cats , at least in the few months ive been a member. I applied on Sunday, Monday morning they called me about 10 am, yes, they are quick to follow up on an application, and was informed i was approved . Yeah! But mid call the csr agent realized i would have to cancel my low apr visa. Apparently im not qualified to have two credit cards so not sure if thats because of income, history, or what not. Said thank you but i like to kerp my low apr card. Withdrew app though i already got hard pull.
A few days later i figured let me try for a Line of Credit to utilize same pull and not have anything to show. Decided to just try for $2000 and put in my application. Wouldnt you know it, they called me back and said APPROVED. My first Line of Credit ever. And its at a respectable 9. 25% . They just send you e documents that you sign and easy peasy , its in my account.
So feel free to add data points as you join . I believe my last approval of the LOC had me at 755 Eq . Ive also started a small savings with Langley. Probably better rates out there but heck, a penny saved a penny earnedDo you know if that Cash Back Visa 5% category changes monthly? Just checked it and it say 5% on groceries & wholesale - January only. Might be interesting if it changes monthly but could be hard to keep up with, Discover 5% quarterly is hard enough to keep in mind - I was at a grocery store Friday and started to pull out my usual Amex BCE for 3% and remembered just in time Disco started 5% groceries Jan. 1.
Great you're having such good experience with Langley. I'm not very happy with Pentagon either, but I just have the required Share savings. I got a nice HELOC with them in 2017, but still shaking my head that it took them 3 1/2 months to get it done. They did approve me for a PCR card when I joined, but with a low limit. I closed it after only 6 months when I got PayPal 2% Cashback card and decided it wasn't worth keeping $500 in Penfed checking to avoid fees and get 2% on PCR. BTW, the lowest APR on Select is now 9.25% while the lowest on Cashback is 11.25%. For a difference of only 2% APR I'll take Cashback, but I'm big on rewards and don't carry a balance unless it's 0% promo.
I see the rotating 5% category on the cash back card changed again.
@DaveInAZ wrote:There's a post in Auton loans, "
Yea most of those Security questions comes from lexis Nexis and other data miners.
