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I just applied for PenFed to finish my Summer Spree (Applied and got approval form PSECU and Elan). I wanted to get all 4 applications done on one day. PenFed says:
We have attempted to access your credit report from Equifax but were unable to do so due to one of the following:
Had the exact same issue, took me a few weeks of calling and escalating the issue to a supervisor. Root cause was never disclosed but after several calls and opening up an IT ticket they were able to pull. Now I have access to my credit scores as well. For years , I was receiving the same error. I was told they had never seen this before. Make sure the address on your equifax is the exact address listed in your PenFed account profile. I was also told it had to be a physical address no P.O. Box this and could have contributed to my issue. The CSR will try to convince you that you have a freeze or no score at all. Insist a call back from a supervisor and explain that you need to open a IT ticket to resolve this issue. It will take a few weeks but make sure you get the supervisor info to follow up. The person I dealt with was extremely thorough and followed up with me with periodic updates. Hope this helps!
Likely a split equifax file. Call them and pleasd for someone to esclate it. Can be a nightmare to get fixed.
@CreditCuriosity wrote:Likely a split equifax file. Call them and pleasd for someone to esclate it. Can be a nightmare to get fixed.
I would not be surprised. I am looking through my credit reports and they have my live-in exbf phone number listed as mine. They also have my mother's old address listed as mine. I'm disputing the old info to clean up the file.
A few years ago, I had a problem with EQ. Not only couldnt lenders pull my report, but CK couldnt get it either,
Took a few months to fix it
I have a list of addresses on my reports going back to the 1980's. also every employer going back to the 1980's.
@PapaTunde wrote:A few years ago, I had a problem with EQ. Not only couldnt lenders pull my report, but CK couldnt get it either,
Took a few months to fix it
Yup I have issues with Eq forever. Some lenders can't access it but hen I ant to test it I use Penfed lol. Go figure, they never miss a hp, er beat
@AverageJoesCredit wrote:
@PapaTunde wrote:A few years ago, I had a problem with EQ. Not only couldnt lenders pull my report, but CK couldnt get it either,
Took a few months to fix it
Yup I have issues with Eq forever. Some lenders can't access it but hen I ant to test it I use Penfed lol. Go figure, they never miss a hp, er beat
Hey AJC! I'm in a Summer Spree in your honor! I called PenFed this morning and they said they were able to get through and get my file. Now I'm waiting on the yea or nay tomorrow. I apped 6 cards, 2 on each CRA, all on one day. So far I got 2 confirmed approvals and the other 4 are in some form of validation/processing. Now, I am done and am going to garden until January.
@Luxeedee wrote:
@AverageJoesCredit wrote:
@PapaTunde wrote:A few years ago, I had a problem with EQ. Not only couldnt lenders pull my report, but CK couldnt get it either,
Took a few months to fix it
Yup I have issues with Eq forever. Some lenders can't access it but hen I ant to test it I use Penfed lol. Go figure, they never miss a hp, er beat
Hey AJC! I'm in a Summer Spree in your honor! I called PenFed this morning and they said they were able to get through and get my file. Now I'm waiting on the yea or nay tomorrow. I apped 6 cards, 2 on each CRA, all on one day. So far I got 2 confirmed approvals and the other 4 are in some form of validation/processing. Now, I am done and am going to garden until January.
Lol, 😊 That's great. I wish the best on getting approved on all of them. Penfed has been really good to people this last year unlike some other banks/CUs. So I'm pretty happy with them. Look forward to your approval threads
Aaaargh! No dice. I made an error and did not check my EQ CRA in advance. I thought it would be as up to date as Experian, which I did check in advance. EQ is still reporting old info. So, my 22% usage was too high for PenFed. I'm down to 2% and I would argue for recon, but they also don't like this:
Length of time accounts have been established
• Length of time revolving accounts have been established
• Lack of recent installment loan information
Only time will cure the first objection. The closest thing I have to an installment loan is my student loan that is not reporting.
Looks like I have to wait another 6-12 months to try again. At least I got a yes from Elan and PSECU. That's progress!
@AverageJoesCredit wrote:
@Luxeedee wrote:
@AverageJoesCredit wrote:
@PapaTunde wrote:A few years ago, I had a problem with EQ. Not only couldnt lenders pull my report, but CK couldnt get it either,
Took a few months to fix it
Yup I have issues with Eq forever. Some lenders can't access it but hen I ant to test it I use Penfed lol. Go figure, they never miss a hp, er beat
Hey AJC! I'm in a Summer Spree in your honor! I called PenFed this morning and they said they were able to get through and get my file. Now I'm waiting on the yea or nay tomorrow. I apped 6 cards, 2 on each CRA, all on one day. So far I got 2 confirmed approvals and the other 4 are in some form of validation/processing. Now, I am done and am going to garden until January.
Lol, 😊 That's great. I wish the best on getting approved on all of them. Penfed has been really good to people this last year unlike some other banks/CUs. So I'm pretty happy with them. Look forward to your approval threads