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Valued Contributor
Posts: 1,148
Registered: ‎04-23-2008
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Re: PENFED LOVE BUTTON


nathan wrote:
I tried to push the button, but it required me to check a box accepting a pull, which I presume is a hard because it didn't specify. i immediately canx the application until I get enough evidence that it is a soft. i am not taking any chances on my eq which is already pregnant with a lot of inqs. I hope some forum member will provide that evidence for me.

Good call.


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Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
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Frequent Contributor
Posts: 411
Registered: ‎04-18-2007
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Re: PENFED LOVE BUTTON

Very well.
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: PENFED LOVE BUTTON

I am reasonably certain that when I clicked (with the poor CSR making encouraging noises), it came up with a "Congrats..."

If so, this means that PenFed is like Citi --if they want you to fill out a form, it's a hard, and there's no guarantee. If they say congrats, you are approved, jump on it.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
Posts: 1,148
Registered: ‎04-23-2008
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Re: PENFED LOVE BUTTON


haulingthescoreup wrote:
I am reasonably certain that when I clicked (with the poor CSR making encouraging noises), it came up with a "Congrats..."

If so, this means that PenFed is like Citi --if they want you to fill out a form, it's a hard, and there's no guarantee. If they say congrats, you are approved, jump on it.

My friend, I think the concern is whether or not your CLI was waiting for you and it was softed vs. if we mere mortals went through the CLI process, it might hit as a hard because it was "initiated" by us instead of true love, make sense?


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: PENFED LOVE BUTTON

I agree; I think that there is a huge difference between a lender-initiated CLI and a consumer-requested one.

I just went poking through my e-mails to see if they ever sent a "Hey, idiot, we're trying to give you credit," but I couldn't find one. I think that there was a thread going here about a pop-up luv button, and I checked my online account, and there it was.

*just found where I posted about the CLI --I'd forgotten how they do it (odd, but I'll take it)*

Santa PenFed brings Christmas in October
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Frequent Contributor
Posts: 411
Registered: ‎04-18-2007
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Re: PENFED LOVE BUTTON

Hey Guardian, what happened to your exp?
Valued Contributor
Posts: 1,148
Registered: ‎04-23-2008
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Re: PENFED LOVE BUTTON


nathan wrote:
Hey Guardian, what happened to your exp?

I actually have not yet seen a luv button or a CLI, but then again my account is hardly a month and half old with PenFed. I am not expecting anything anytime soon, they treated me pretty well to start with so I can wait.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Re: PENFED LOVE BUTTON

hauling -

 

in your other post that you linked to you spoke about usaa.  we are members and have insurance with them...but haven't ever apped for credit.  who do they pull from on CRA's?

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
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Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
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Re: PENFED LOVE BUTTON


txjohn wrote:

hauling -

 

in your other post that you linked to you spoke about usaa.  we are members and have insurance with them...but haven't ever apped for credit.  who do they pull from on CRA's?



Almost always EQ. Answered more here:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=153462#M153462
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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