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Im doing this for my dad, so if mine was 636 fico 8 and penfed said I had 681, my dad's should be good to go. I applied for their power cash reward visa and a PLOC? Any suggestions or any experience when applying first time?

What products can I apply at the same time with penfed? EQ is 716 Fico 8.

My 5 cents... I joined Penfed online and applied for a new car loan right away, asked for 25k, got approved but car ended up costing 29k when sending the purchase order, called in they said no problem, approved, 4.19%APR They pulled EQ, only one HP for membership and loan. My FICO 8 from CCT said 636, their score said 681, dont know if its FICO or what. I got no negatives, about 29 inquiries, a CC with 90% util, relatively new AAOA, oldest CC is less than 2 years, several new accounts, I do have a good car loan with perfect history (18 mo) and several paid installments accounts ranging from 1k-4k. So that those wanting to apply with Penfed get an idea.

Konrad: negative equity

No negatives, just inquiries, and yes im upside down on my current loan due to the high apr. Thanks!

In reference to my previous post: https://creditboards.com/forums/index.php?showtopic=590495&do=findComment&comment=5624274 So now all the COs are gone from the 3 CR, my FICO 8 scores from CCT are as follow: EX: 687, TU:694 and EQ: 636. Got in to PENFED through the navy league, (while I wait on my application with NFCU) and applied for a car loan to test the waters and try to gey rid of my chyrsler capital 18.55% current loan, and BAM! Approved for the requested ammount 25k at 4.29%, might be a good idea to trade in due to the savings. Thank you all for your contributions to this board for introducing NFCU and PENFED to us.

Hegemony: yes it is

Im trying to improve my AAOA with a synchrony issued jcpenney or walmart CC as an AU, my concern is if it will report the actual age of the account or if it will show the actual date the card was issued? Anyone with any experience as an AU to any of these CCs?

Well, the two COs from experian fell off, its now clean, the FICO 8 score is now 687. Just waiting on the old TL to appear to see how it goes.

Thank you all for your excellent advice!!! Willis: Ill try to get that walmart card to 0, as for joining NFCU, I'd like to but have no way to get in. And ill put some of my expenses in the cap1 qs to get it going. FormerAnalyst: I recently received a CLI in the Cap1 pl from 300 to 500, I did try to request a CLI but was denied due to the recent CLI. I already have a CU in mind to do the refi, but I dont think that waiting 1-2 months will hurt to fix the COs and the utilization in order to get the best rate, plus the loan officer is readily available at that particular CU. RocketGoBoom: ID theft affidavits with all the required docs have been sent to CMI and sprint and dispute letters to the CRAs, so far that CMI CO already fell from EX. Mfarmer: That CMI CO is truly not mine, otherwise it wouldnt even be there, they dont even provide services in Texas and it fell off so easy from EX that ill just wait a little bit more to see if it goes away from EQ and TU. Im going to get em FICOs in order to refi. Thanks again, I'll keep you posted.

Continuation... I couldnt edit my initial post. Whats hurting my score is the COs, AAOA and the inquiries. My plan of action is, as aforementioned, getting the COs removed, and having my parents add me as AU to their oldest card to help with AAOA. From what Ive been reading I'll have to wait the inquiries. I would really appreciate your input, advice and/or help on how to proceed. Getting a AU on a old account will help? Should I also dispute the COs directly with the CRAs? I do want to get my car refinanced with a lower APR and get in with prime banks. Thanks!!

Thanks for helping, so here is my current credit situation: Scores: EX:669 TU:648 EQ:619 all are FICO 8 from CCT Negatives: 2 on the three CRAs 1. CMI (wow cable) $139 from 08/2016 Set to delete on 11/2022 2. ERC (sprint) $1076 from 11/2012 Set to delete on 8/2017 *both of these collections are not mine and are being disputed, one with Sprint directly and the other with the CO. They are fraudulent accounts/id theft. Accounts in good standing reporting on the three CRAs: Revolving: Credit one 14/500 opnd 9/15 (oldest) Walmart 889/900 opnd 2/16 Cap1 5/500 opnd 6/16 Cap1 QS 0/300 opnd 3/17-not reporting Cap1 QS 0/500 opnd 3/17-not reporting VictoriasSecret 0/500 opnd 3/17 Express 0/500 opnd 3/17 NY&CO 0/500 opnd 3/17 Buckle 0/250 opnd 3/17-not reporting Wayfair 0/500 opnd 3/17-not reprting Kingsized 0/250 opnd 3/17-not rprting Installment: ChryslerCapital car loan opened on 01/16 18.55% APR 14,814/15,733 72 months term Conns 708/771 opened 12/16 4 Conns accts paid/closed $290, 2435, 658 and 643 respectively. 3 World finance corp accts paid/closed $840, 1450 and 1450 respectively. The Cap1 QS were obtained using the prequalifier, one night I was approved for a $500 CL QS and asked me to sign in to my other Cap1 CC online access, fell asleep didnt do it u til next day. The following morning I logged in and nothing showed about the QS, so I used the prequalifier again and reapplied and got appvd for a QS but now with a $300CL. Called in and the CSR said that I only was approved for the $500 QS and that the $300 card was a duplicate. However I got both cards on the mail, different accounts. All the comenity cards were obtained using the shopping cart tric, no HP

Its kinda recent, about 1 year i didnt try the 1-2 punch whats with that?

I sent a DV letter to a CA and got the original contract back with some account transcripts, so pretty much they verified the debt, what to do next?