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Double pulled by Penfed

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Senior Contributor

Double pulled by Penfed

I feel bad on this one.  On my recommendation my brother apped for Penfed on 3/7 membership approved; 3/8 apped PowerCash Visa denied

 

Penfen double pulled EQ, once for membership and then again for cc app

 

Has Penfed's policy of one HP being good for multi apps changed recently?

Anyone else have this problem? Suggestions?

 

 




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2019 CCT EX 829 TU 848 EQ 837
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
14 REPLIES 14
Community Leader
Senior Contributor

Re: Double pulled by Penfed

Sorry to hear, but it’s not unheard of. There have been sporadic reports of multiple pulls here and there.

IIRC, there was never a written in stone policy of 1 HP every 90 days, although there was a time it was very common. As with anything related to credit, YMMV. 

AMEX Platinum, Gold, Reserve & SPG | PenFed PR VS | NFCU FS VS | Discover IT | Citibank DC WEMC l Capital One Venture VS | Nordstrom VS l Banana Republic LUXE V I Lowes I Macys I Wayfair I
Message 2 of 15
Valued Contributor

Re: Double pulled by Penfed

It seems the practice of using the last HP for 90 days went away sometime after early 2018. Every app I've had with PenFed, including CLI's have resulted in a HP. **bleep** PenFed - they are the new US Bank!

Message 3 of 15
Community Leader
Senior Contributor

Re: Double pulled by Penfed


@RicHowe wrote:

It seems the practice of using the last HP for 90 days went away sometime after early 2018. Every app I've had with PenFed, including CLI's have resulted in a HP. **bleep** PenFed - they are the new US Bank!


If we're using that measuring stick then we can lump Navy Federal in as well.  I'm surprised they don't HP just for contacting them. 

Message 4 of 15
Super Contributor

Re: Double pulled by Penfed


@Loquat wrote:

@RicHowe wrote:

It seems the practice of using the last HP for 90 days went away sometime after early 2018. Every app I've had with PenFed, including CLI's have resulted in a HP. **bleep** PenFed - they are the new US Bank!


If we're using that measuring stick then we can lump Navy Federal in as well.  I'm surprised they don't HP just for contacting them. 


Indeed. I love Navy and all but I’ve got 5 inquiries from them since September when I joined. 

 

But on the the other hand, I know when I take a Navy HP it’s going to lead to something. My PenFed HP is a few days older than my Navy HP and I got nothing to show for it. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 5 of 15
Highlighted
Frequent Contributor

Re: Double pulled by Penfed

That sucks, sorry to hear!

Just for reference though, I got a Promise 12/28.  I tried getting a CLI on it a few days ago and it was the same pull referenced in my denial and haven't gotten anything new since.  So, does seem like it's still possible to have the same HP used more than once; just seems really sporadic and situational on when it happens.  

BK7 Discharged 12/16


EQ8/9: 674/725 | TU8: 683 | EX8: 735
Message 6 of 15
Frequent Contributor

Re: Double pulled by Penfed

I opened a Penfed savings February 22nd over the phone. Approved, I put $5 to keep the account open and the rep asked if I was interested in applying for any credit products. She put in an app and I knew it would be denied due to derogs and my score. I then appd for the platinum for the BT transfer just for the heck of it. All 3 were under one HP.
Sept 18: EQ: 578 TU: 583 EX: 576
March 19’: EQ: 615 TU: 642 EX: 637
June: EQ8: 637 TU8: 645 EX8: 642
September 19’: EQ8: 620 TU8: 645 EX8: 640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 4MONTHS AAOA: 2YR 4MONTHS
Inquiries in 12 months: EQ: 3 TU: 1 EX: 1
New Accounts in the last 9 months: 0
CLOSED: Self Lender 12Month CD: June 20th 19’

Short Term Goal: Auto Lease 2020 Jeep MOAB
Chase 6/24 In-Branch Pre-approvals for all chase credit products - Goal Achieved but not taking the bait.. YET!
Message 7 of 15
Senior Contributor

Re: Double pulled by Penfed

Just spoke with my brother.  He's gonna call tomorrow to see about getting 2nd inq recoded to a SP.  He did mention that today is the 10th, 3 days after the 1st HP and myFico still hasnt sent him an alert. Both inqs have been posted on Credit Karma.  I think myFico has issues that they should address but I guess that discussion is for another thread




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2019 CCT EX 829 TU 848 EQ 837
Jack Webb: "That figures. Now let me see if I got the facts straight here. Cleaning woman Clara Clifford discovered your clean copper clappers kept in a closet were copped by Claude Cooper the kleptomaniac from Cleveland. Now, is that about it?"
Message 8 of 15
Community Leader
Super Contributor

Re: Double pulled by Penfed

Good luck on recoding. Dont think it will work, ive tried after they double tapped me for a pl request. Theyll just say talk to EquihackSmiley Sad
#ChaseCreditCardHobby Enthusiast
2022
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Message 9 of 15
Valued Member

Re: Double pulled by Penfed

Same here. Double pull for membership and Pathfinder on 03/05. From CK, 1 from Penfed FCU and another one from Penfed alexand. My application for Pathfinder was declined and I just sent them recon letter.

Mar 2019 FICO 8: TR 781 / Ex 770 / EQ 772
AMEX BCD $10k - Amex Blue Delta $3k - Cash magnet $20k- Amex Everyday $5k -Discover $9k & $6.5k
Paypal Extras $10k - Uber Visa $5k - Amazon store $4.5k- Celtic bank $3.5k
Amex Gold -USBANK Cash+ $500 -Cap1 QuickSilver $500 (closed)
AAoA: 11 months - AoA 29 months - Uti ~1%
Message 10 of 15
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