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Video Summary:

In this video, I want to talk to you guys about PenFed Credit Union and their personal loans. Many people with good credit scores still get denied by PenFed, and they wonder why. Well, PenFed uses FICO 9, which is great because it considers authorized users, rental payments, subscriptions, and utility bills to build up your credit score. They pull Equifax FICO 9. However, if you have a high debt-to-income ratio (DTI) above 55, they may deny you. There are also other reasons for denial. But here's the thing, there's another Credit Union that is easier to join and uses Vantage score, which many people want to know about. Now, with PenFed, you can actually get two products with one hard pull. You can apply for a PenFed loan with a hard inquiry and then follow up the next day to apply for a car loan or credit card. Most people miss out on this opportunity. PenFed also offers credit cards even if you're coming out of bankruptcy. They also offer personal loans with no documents required for credit scores averaging 620-640. To join PenFed, you just need to open a savings account with $5. However, there are some things that may get you denied, such as having too many open revolving accounts, brand new accounts, or too many inquiries. If you don't qualify for PenFed, you can consider other lenders like Upgrade or Upstart. Another Credit Union that uses Vantage score is Baxter Credit Union (BCU). They may be a good option if you have a good Vantage score. Keep in mind that many lenders still look at FICO scores, so it's important to know which score they pull. If you have any questions about business or personal credit funding, click the link in the description to schedule a consultation.

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DISCLAIMER:
The content of this YouTube channel is provided for informational purposes only and is not intended to constitute legal advice or financial advice. You should not rely upon any information contained on this YouTube channel for financial advice. Viewing this YouTube channel is not intended to and shall not create an client relationship between you and Houston Mcmiller or Business Credit America, Inc, or any of our associated websites. Messages or other forms of communication that you transmit to this YouTube channel will not create an client relationship and thus information contained in such communications may not be protected as privileged. Neither Houston Mcmiller nor Business Credit America, Inc, or any of our associated websites makes any representation, warranty, or guarantee about the accuracy of the information contained in this YouTube channel or in links to other YouTube channels or websites. This YouTube channel is provided ""as is,"" does not represent that any outcome or result from viewing of this channel. Your use viewing of this YouTube channel is at your own risk. You enjoy this YouTube channel and its contents only for personal, non-commercial purposes. Neither Houston Mcmiller, Business Credit America, Inc, or any of our associated websites, nor anyone acting on their behalf, will be liable under any circumstances for damages of any kind.

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