Penfed

[Anonymous]

So a week or so ago i inquired about refinancing my auto and my credit equifax. Was froze so i wasn't. Worried about an inquiry but today i unfroze it an an inquiry pops up this normal?

[Anonymous]

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@Anonymous wrote:
So a week or so ago i inquired about refinancing my auto and my credit equifax. Was froze so i wasn't. Worried about an inquiry but today i unfroze it an an inquiry pops up this normal?

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Did you actually apply for a refinance on your Penfed auto loan and/or credit cards, or did you just talk to them about doing it? If the former, then yes, a hard inquiry on your EQ would be in order once you unfroze that report. If not, you should probably get in touch with Penfed to find out what happened.

[Anonymous]

I only spoke to them

[Anonymous]

well dang they won't remove it, arrgh to not go ahead and apply since i took a hit on that now hmm

[Anonymous]

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@Anonymous wrote:

well dang they won't remove it, arrgh to not go ahead and apply since i took a hit on that now hmm

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You might as well go ahead, yes - the thing about Penfed is that when they do a HP, it's good for 90 days for any application you want to do.

[Anonymous]

thanks Joe, tryed boa and a chase card both denied lol, nothing popped up yet for a hp though, might try penfed card then since i've been denied in the past but already took a hit

[Anonymous]

Your application was not approved for the following reason(s):

• Collection account(s).
• Length of time accounts have been established.
• Too many inquiries in the last 12 months.

well its expected, i only have 1 collection though, many inquiries which I know there sensitive there, most accounts a year and a half old but some older and some newer