Shocked Penfed Personal loan DW - myFICO® Forums - 5390481

myFICO® Forums

Get Access Now

Give u guys a quick recap DW is 3 years behind a BK7 has right at 100K in total credit lines. The only account she has with Penfed is a credit card about 7 months ago asked for a Cli denied only reason listed was BK. But today in the mail get a pre approved Personal loan check for up to 25K at 8% Im surprised at this offer.

Message 1 of 6

5 REPLIES 5

Congrats to your DW!

I'm at roughly $160k in revolving credit lines, Penfed denied me a card several months back.... (a year ago?)

I got the pre approved Personal loan check for up to 25k today too. Higher rate tho.

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...

Message 2 of 6

Congrats on your Penfed offers

Penfed wouldnt even send me a return address envelope

Message 3 of 6

Its strange she didn't have any offers on her account i checked last week and just now. Nothing but the loan offer showed up today.

Message 4 of 6

No offers on the website for me either.

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...

Message 5 of 6

Congrats DW!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

NFCU Flagship | $10,500 | August 2018

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Message 6 of 6