PENFED Easier Than Navy Federal | No Hard Inquiry

In this video we cover why Penfed is one of the best credit unions and all their tops tier products and why you need to bank with a credit union instead of a traditional bank.
#credit #creditrepair #creditunion #penfed

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Disclaimer: I am not a financial advisor. Limitless Culture and/or Mike The Credit Guy does not provide tax, legal or accounting advice. This material has been prepared for entertainment purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

[MikeTheCreditGuy]

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🚨We will never ask you to email us. We have trusted links in our video description for booking a consultation and the for DIY program and for any products we talk about. We do not support or represent any scammers in the comments promoting any credit repair people. Do not respond to anyone promoting credit repair they are all scammers.

[joelcasoria]

Thanks Big Mike my credit score started out at 580 a in a little over a year I’m now at 760!! I have followed you for over a year…you’re the real deal….!!!!

[daveroberts]

Hey, my name is Dave. I follow your advice with Navy Federal credit Union. I did everything that you said and I did it in six months and I get a auto loan for $30, 000. People need to follow your lead and they will be fine. keep up the good work.💪🏾

[tabbid]

Mike, I need more PenFed vids…ins & outs, data points. Love how you present valuable facts ❤️

[BlimpCityFeeder]

PenFed has been good to me overall. Hoping with continued gardening, increased cc limits and products will be available.

[supay]

You are doing a great service to the nation, thank you! 👏🏼

[markJones]

PenFed turn me down for a credit card, saying my 826 credit score ain’t everything when I call to ask why I was turn down.

[apriljoy]

I opened an account with them after watching a video. Received a high limit credit card the most I have ever received. In the process of building a relationship.

[LeadersEatLast]

So Many Gems!💎
Smashed The Like!👍
Bout'2 Go Dumb wit the Swipes!🤑💳

[Lilthis_n_that]

With chase 19yrs never offered me anything. No neg history with them at all

[williamrymer]

Magic Mike! Very important data point, the savings account must be the basic not the premium one

[cedricquincy]

State Employees Credit Union did me the worst. When I was going through homelessness and struggling with making money, SECU closed my credit card. The representative at the Silas Creek Branch in Winston-Salem was cruel and heartless. I know if I had been with Navy Fed or Penfed, I would've came out better.

[BottomLineBassin]

I keep trying to join Penfed now they won’t let me join because my cell phone doesn’t match address because I’m on a family plan with my sister and brother-in-law😢

[Midwestplayers]

I just ust got off the phone with PenFed and set up my secured loan. Initially I tried to do a $500 secured loan for a 2 year term. The minimum payment was scheduled to be $21 but their system wouldn’t allow it. I was told the minimum payment has to be $25. So I had to either deposit more than $500 to get payment over the $25 minimum or shorten the length of term to under 2 years. I shorten the loan term to get the $500 to the $25 month minimum payment required. I heard you say don’t do a loan under 2 years. Now I’m worried if I shouldn’t have done the 1yr 🤔

[zulrich]

Been with USAA since 2006. They never offer anything. I’m searching for a new institution.

[lowrider]

So I defaulted on a penfed loan abou two years ago probably wouldn’t be a good idea to try to open another account again

[incogomomo]

7:56 what would the ideal credit score be for PENFED?
Also, I was told they went off of your Fico9 🤔

[DanN-ps]

Been a member since 2022 not much activity tho due to A) never received my debit card B) there’s only 1 branch in Dallas & it’s a nightmare to find it & when you finally do it’s gated with a guard to show ID & then still a mission to get to the actual branch so I never really banked with them besides my initial $20 deposit. I have 770 fico 9 no collections 100% payment history no inquiries 7 yr avg credit age no debt in my name & my few $1k & $2k (3 yrs aged) cards are at 2% utilizination with $135k income. I’m in the market for an Auto loan should I wait to build activity or just apply ? I’m trying to obtain a $50k car

[Crystalbella]

I owe a certain bank about $1k credit card for about 6 years and 3 months. I received an email in January, that they'll let me pay about $750 to settle the debt. Then, in May I received an updated offer of $300. What should I do: wait until my 7 years are up next year, wait for a new offer to settle, or do nothing?

[fresh]

I just applied online and it said they couldn't complete my request... so maybe I'll pay the bank a visit....