@AverageJoesCredit wrote:
Sorry, i understand not wanting to give Penfed another hp, but advocating freezing or locking a credit bureau in attempt to deny a creditor access to your credit report is not permitted here and is against Forum TOS. Thank you for understanding.
That's fine and all, but not at all what I was advocating. I keep my reports frozen at all times unless specifically apping. Therefore they were already frozen when I app'd as I'd been told by member services that they'd use the pull I was approving for membership for anything else for 30 days. Just offering a data point for others reference.
@Anonymous wrote:Good story -- thanks. How'd you make out on the apps?
No dice, I figured as much I have a few derogs lingering and know PenFed to be conservative, but since I'd already burned a HP for membership I figured I'd give it a shot so long as that was the only pull I sufferred.
Hi @Jkrause702
Yeah i figured as much after rereading your post but just a reminder for those who may misread your intentions. It has happened before
. I myself find the need to pull multiple reports in so short a timespan ridiculous so i am done giving PF hps for now lol. I got rejected last month for their PC cc and they send me my first mailer a month later to apply, uhm nope
Yeah i figured as much after rereading your post but just a reminder for those who may misread your intentions. It has happened before
. I myself find the need to pull multiple reports in so short a timespan ridiculous so i am done giving PF hps for now lol. I got rejected last month for their PC cc and they send me my first mailer a month later to apply, uhm nope
@AverageJoesCredit wrote:
Hi @ Jkrause702
Yeah i figured as much after rereading your post but just a reminder for those who may misread your intentions. It has happened before
Seems like a recurring theme with them from what I've read.
Yeah Penfed is extremely conservative these days and very selective on who they give credit. I used to be sore, now im just numb
Op, yes , most time Navy wants your TU . If they cant access it they will attempt Eq and if that fails EX. Be careful , lol , i once was messin around playing double dutch seeing if i could get a sp cli so i applied, all 3 buresus were locked. They tried pulling TU. Got notification attempted pull. Im like ok its fine, i dont need a hp cli so just let it go. Heres the catch, Navy usually attempts up to 2 weeks to access your reports to complete your request. Youll get notifications, they usually call your listed phone numbers as well. Lo and behold i forgot all this and like 2 weeks later i had unlocked my TU for a different application. Bam! Sneaky little guys attempted one last pull and got it haha. I was like WTFico how did i get a Navy hp? Then i realize my blunder lol. Oh, and i still got rejected.
Of note, on the 26th of this month my baby Plat turns 1 and i get to tequest an apr reduction! Woo hoo
.Of note, on the 26th of this month my baby Plat turns 1 and i get to tequest an apr reduction! Woo hoo