Penfed two hard pulls! Membership and used car loan.

[xaustie]

I think I saw this same issue mentioned somewhere on the forums but could not find it.

Yesterday I applied for Penfed membership and a used car loan on the phone in the same phone call. All went just fine. I was approved for membership on the phone and the loan was sent to a loan officer for review. I was approved for the car loan later that day. I have not applied for any other products.

Today I get two myfico alerts and see these TWO inquiries on EQ:

Company PENTAGON FCU
Contact Information
PENTAGON FCU
PO Box 1432
Forest Glen Alexandria, VA 223131432

Company PENTAGON FCU
Contact Information
PENTAGON FCU
2930 Eisenhower Ave
Alexandria, VA 223144557

I was really hoping to benefit from the 90-day "reuse" of a single puil.

[Anonymous]

I had two hard pulls as well. I've never been able to take advantage of the 90 days with them. I know I'm lucky to be in so I just accepted it and moved on. What's one more hp when I have 36 already :-)

[Anonymous]

Just writing to confirm that I also had a HP when I applied and was approved for membership through PENFED.

[xaustie]

I'm thinking that when I am all done with the used car loan paperwork/check stuff with PenFed then I will give them a call and politely inquire if they can remove one of the hard pulls. Not sure that is even a possibility but no harm in asking. All of my searching online turned up that you can "dispute" a bogus inquiry and get it removed - that makes sense. I am not exactly disputing the "duplicate" inquiry. This is more of a GW kind of thing. All of my calls to PenFed so far have been wonderful!

If I make the call I will update this thread.

[srecor]

same thing just happened to me. I applied for a share savings membership and was approved and noticed a hard pull. figured what the heck and apped for promise since one pull for 90 days of products. I was approved for promise $2500 line. No new hard pulls so I apped to refi auto loan was approved. I am saving 6 months time and $6000 with new loan. However I just noticed another hard pull.

[undrtkr65]

I recently reapplied to open my membership back up with penfed and their was no hardpull. the last one they did was in November. I also applied for a auto loan and credit card and still no hardpull. I called to ask about this and they said there was a new pull but no inquires showed up on no credit report
I double checked all three. weird but I'm glad I got the membership back with no new hardpull.

[sccredit]

This is normal with PenFed and they won't remove one.