topic Re: Penfed new pull? in Credit Card Applications

Penfed new pull?

Creditplz — Sat, 09 Apr 2016 03:54:00 GMT

How could I get Penfed to pull a New EQ CR? My last one was 639, but Capital One agreed to remove my lates AND my UTL will drop from 49% to 4% at the end of the month.. So I should see a huge jump in scores.

Re: Penfed new pull?

Loquat — Sat, 09 Apr 2016 08:50:45 GMT

Are you currently a member? If so, apply by phone for what you want and ask that they pull a new report. But do wait until you've confirmed that your score had increased and utilization is properly reporting...

Re: Penfed new pull?

Creditplz — Sat, 09 Apr 2016 19:22:56 GMT

Yeah I'm a member, and okay, I'll pull EQ Fico before I ask them to pull.

Re: Penfed new pull?

Anonymous — Sun, 10 Apr 2016 01:20:43 GMT

Good luck!

Re: Penfed new pull?

Creditplz — Mon, 11 Apr 2016 03:28:03 GMT

So I called today (my 90-day late) from capital one in December was adjusted to perfect payments due to a goodwill. And went from 80% UTL to 0... My EQ skyrocketed.. I called Penfed and asked them to pull a New CR, she said she couldn't do that, only a signed letter from you via Fax (1-800-278-2212) or a email from your email on file specifically giving them permission to pull a new report is the only way that it's possible.

Re: Penfed new pull?

Anonymous — Mon, 11 Apr 2016 16:44:55 GMT

How long ago did you last apply for membership or any of their products? Can you wait the 90 days and that will guarantee a new report gets pulled?

Re: Penfed new pull?

Anonymous — Mon, 11 Apr 2016 16:58:56 GMT

Do Penfed pull ur EQ report for you to become a member?

Re: Penfed new pull?

Creditplz — Mon, 11 Apr 2016 17:02:29 GMT

04/04, yeah I'll just sit it out

Re: Penfed new pull?

Anonymous — Mon, 11 Apr 2016 17:24:33 GMT

I'd just hold off for a bit then. They just declined you so it's pretty fresh.

Re: Penfed new pull?

Anonymous — Mon, 11 Apr 2016 17:27:09 GMT

MssRemaa - yes they HP EQ for membership but use the NG 2 score for their products. I'm not sure where else you can find out what that score is but from them.

Re: Penfed new pull?

SouthJamaica — Mon, 11 Apr 2016 22:43:29 GMT

@Creditplz wrote:
How could I get Penfed to pull a New EQ CR? My last one was 639, but Capital One agreed to remove my lates AND my UTL will drop from 49% to 4% at the end of the month.. So I should see a huge jump in scores.

One way would be to wait 90+ days, but it's possible if you call them before you make the application you can make sure they do a new HP.