Another data point - I just confirmed that as expected both the auto loan and the CLOC used the same credit pull - I call that excellent mileage for a HP 
@Anonymous wrote:Another data point - I just confirmed that as expected both the auto loan and the CLOC used the same credit pull - I call that excellent mileage for a HP
Good stuff!
Which bureau? I've heard they can bounce around. They pulled TU for my membership but I'd much prefer EQ when I app for a credit card next week. LOL.
@Anonymous wrote:
@Anonymous wrote:Another data point - I just confirmed that as expected both the auto loan and the CLOC used the same credit pull - I call that excellent mileage for a HP
Good stuff!
Which bureau? I've heard they can bounce around. They pulled TU for my membership but I'd much prefer EQ when I app for a credit card next week. LOL.
The consumer loan department (which handles the auto loan and CLOC) uses EQ 100% of the time. It's the CC dept that can vary between TU and EQ (or even EX if you freeze TU and EQ [not recommended - they're just as likely to simply ask you to unfreeze the report they want]). Sadly, my recent data point will not help you with your CC aspirations (although they did pull EQ for my CC last August, for what it's worth).
And let's be clear - it is ONLY with the consumer loan dept that one can expect to combine a HP - in my case the specific combination of Auto loan and CLOC.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Another data point - I just confirmed that as expected both the auto loan and the CLOC used the same credit pull - I call that excellent mileage for a HP
Good stuff!
Which bureau? I've heard they can bounce around. They pulled TU for my membership but I'd much prefer EQ when I app for a credit card next week. LOL.
The consumer loan department (which handles the auto loan and CLOC) uses EQ 100% of the time. It's the CC dept that can vary between TU and EQ (or even EX if you freeze TU and EQ [not recommended - they're just as likely to simply ask you to unfreeze the report they want]). Sadly, my recent data point will not help you with your CC aspirations (although they did pull EQ for my CC last August, for what it's worth).
And let's be clear - it is ONLY with the consumer loan dept that one can expect to combine a HP - in my case the specific combination of Auto loan and CLOC.
Thanks and good to know. I had wondered about the combined HP because I didn't think they ever did that.
I plan on applying for CLOC and a CC, so can at least take advantage of my higher EQ score on CLOC and will just hope I get lucky on the CC.
Since the auto loan voucher is in my pocket, I figured "What the heck? let's roll the dice and get PenFed rolling - Score!
$5000 on the new Power Cash Rewards - my first 2% card!
Now to park $500 in the PenFed checking account to keep it fee-free and gradually shift my non-amazon spending over...This rebuild is looking marvelous!
In other news, we called today to cancel DW's Credit One card - They advsd the account isn't set to start the next year's AF until June, and "they will evaluate at that time whether to charge an AF", and they offered a $21 statement credit not to cancel...So we kept it open for now, with a -$21 balance. 
Reminder set on my calendar for the first week of May to revisit cancelling the sucker
Surprise Update!
I got a little surprise when I logged into My Amazon Store Card account today - they doubled my credit limit to $2,400 on an Auto CLI!
Thank you Synchrony!