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PenFed CC approval then denied

Wolfeyy
Regular Contributor

Re: PenFed CC approval then denied


@happybr2016 wrote:
Making some headway here...apparently on their 3rd party verification my social was coming up as a person who was deceased

Hopefully they and you can get this resolved. That is a nice limit to miss out on. It took mine a week or two to get shipped to me as well.

"Four more months until 2 inquires fall off."
My Journey Thread: Wolfeyy's Journey/Timeline thus far...
Goal: 780s across the board(Accomplished!) | Util: under 3%
5/27/17 - TU: 789 | EX: 785 | EQ: 798
Discover IT - $11,000 | Citi DC - $5,200 | PenFed Cash Rewards - $2,500 | Cap1 QS1 - $2,300 | Barclay Rewards - $1,500
Paypal Credit - $1,000

Message 11 of 24
baller4life
Super Contributor

Re: PenFed CC approval then denied


@happybr2016 wrote:
Making some headway here...apparently on their 3rd party verification my social was coming up as a person who was deceased

You appear very much alive to me. Smiley LOL Seriously though, what a nightmare. Have you had this issue anywhere else? I hope you get this resolved as well!

Message 12 of 24
happybr2016
Established Member

Re: PenFed CC approval then denied

Never before...this is it. Don't need no stinking credit card that bad. If it wasn't for the hard inquiry I would be done.
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Message 13 of 24
baller4life
Super Contributor

Re: PenFed CC approval then denied

Wonder what database is listing you as deceased. Weird.
Message 14 of 24
DoroLucky
Valued Contributor

Re: PenFed CC approval then denied

@Op can you just reapply since the HP is good for 90 days?
TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 15 of 24
JustMe3
Valued Contributor

Re: PenFed CC approval then denied


@happybr2016 wrote:
Making some headway here...apparently on their 3rd party verification my social was coming up as a person who was deceased

Smiley Surprised

Message 16 of 24
JustMe3
Valued Contributor

Re: PenFed CC approval then denied


@baller4life wrote:
Wonder what database is listing you as deceased. Weird.

Maybe LexisNexis? Wouldn't be the first time they provided inaccurate info.

Message 17 of 24
Loquat
Moderator

Re: PenFed CC approval then denied

Good luck on getting this sorted out.  I hope it all comes together for you!

Message 18 of 24
edulover
New Contributor

Re: PenFed CC approval then denied


@DoroLucky wrote:
@OP can you just reapply since the HP is good for 90 days?

Don't assume the 90 day rule with Penfed. I had then hit me with a second hard pull within 30 days when trying to recon a PLC. 



Gardening goal April 2017 to allow new accounts to age and INQ to fall off. Current scores FICO 8 EQ 696, TU 702, EX 724 Goal 800
Message 19 of 24
RonM21
Valued Contributor

Re: PenFed CC approval then denied


@edulover wrote:

@DoroLucky wrote:
@OP can you just reapply since the HP is good for 90 days?

Don't assume the 90 day rule with Penfed. I had then hit me with a second hard pull within 30 days when trying to recon a PLC. 


That's good to know! I just got in with them and was told 90 days.

                

Total CL: $304.1kUTL: 3%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k |DISC-40.6k | PENFED-38.4k | AMEX-37k | NFCU-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-11.7k | CHASE-10k

Message 20 of 24
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