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Was wondering if anyone has a recent experience as mine. I applied for a PenFed account and it was opened with no problem. I then applied for a Power Cash Rewards and was declined. However, my main purpose for getting on with PenFed was to refinance an auto loan.
Fico9 704 (this is the score they pulled and told me)
Recent for CC denial
Too many recent inquiries
I have 5 in 12 months, one of those being the PenFed. 2 of the other inquiries are from the auto loan in which I want to refinance
Age of accounts
I have 3 month old auto loan
Discover IT- Opened November of 2017
Capital QS-Opened February of 2018
Capital One Spark Classic- Opened September 2018
So yes the accounts are newer but I didn't know if they were anymore lenient on auto refinance. Any experience or feedback would be appreciated