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PenFed Can't Pull Equifax

Luxeedee
Valued Member

PenFed Can't Pull Equifax

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:

    •     
You have frozen access to your credit report from Equifax. You will be receiving instructions via preferred communication channel to allow us to access this report. You will be prompted to alert us when the bureau is no longer frozen
 
    •     
The application you submitted recently follows another application submission. In these situations, PenFed does not request subsequent credit bureaus. We will be in contact regarding your original request soon.
 
    •     
The Credit Bureau is experiencing technical difficulties. You need not do anything at this time, and we will contact the bureau and retry later. Just know that your application won't be immediately processed.
 
I have not frozen Equifax. I have noticed that I have not been able to get my credit rating from them in about a year though.
Has any one else had a problem like this?
Message 1 of 10
9 REPLIES 9
pgates
Regular Contributor

Re: PenFed Can't Pull Equifax

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!  

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Message 2 of 10
CreditCuriosity
Moderator Emeritus

Re: PenFed Can't Pull Equifax

Likely a split equifax file.  Call them and pleasd for someone to esclate it.  Can be a nightmare to get fixed.

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Message 3 of 10
Luxeedee
Valued Member

Re: PenFed Can't Pull Equifax

 


@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.

Message 4 of 10
PapaTunde
Regular Contributor

Re: PenFed Can't Pull Equifax

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

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Message 5 of 10
SUPERSQUID
Valued Contributor

Re: PenFed Can't Pull Equifax

I have a list of addresses on my reports going back to the 1980's. also every employer going back to the 1980's.

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Message 6 of 10
AverageJoesCredit
Legendary Contributor

Re: PenFed Can't Pull Equifax


@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 beatSmiley Happy

Message 7 of 10
Luxeedee
Valued Member

Re: PenFed Can't Pull Equifax


@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 beatSmiley Happy


Hey AJC! I'm in a Summer Spree in your honor! Smiley Tongue  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.

Message 8 of 10
AverageJoesCredit
Legendary Contributor

Re: PenFed Can't Pull Equifax


@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 beatSmiley Happy


Hey AJC! I'm in a Summer Spree in your honor! Smiley Tongue  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 themSmiley Happy.  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 threadsSmiley Happy

Message 9 of 10
Luxeedee
Valued Member

Re: PenFed Can't Pull Equifax

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 beatSmiley Happy


Hey AJC! I'm in a Summer Spree in your honor! Smiley Tongue  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 themSmiley Happy.  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 threadsSmiley Happy




 

Message 10 of 10
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