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PenFed Single Pull or Double

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Valued Contributor

PenFed Single Pull or Double

Last week I applied for their credit card and was approved. If I apply for another credit card with them,  is the another HP or will they use the old report?


Filed chapter 7 in May 2017.
Message 1 of 9
8 REPLIES 8
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Valued Contributor

Re: PenFed Single Pull or Double

There is, unfortunately, no definitive answer.   Some get away with using the same pull for more than one app made within 30 days,  others get a new HP for each app.   I don't know why --  go into it prepared for another HP; be thankful if you don't get one. 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 03/2020: EX 780 ✦ EQ 758 ✦ TU 781
Current FICO 9s | 03/2020: EX 793 ✦ EQ 780 ✦ TU 778
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2020 Goal Score | 790s


My AAoA: 3.0 years not incl. AU / 3.4 years incl. AU
My AoOA: 7.2 years not incl. AU / 9.2 years incl. AU
Inquiries: EX 1/6 | 3/12 ✦ EQ 1/6 | 3/12 ✦ TU 1/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 9
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Super Contributor

Re: PenFed Single Pull or Double

Expect another hard pull. You may luck out and not receive one.
Message 3 of 9
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Valued Contributor

Re: PenFed Single Pull or Double


@AllZero wrote:
Expect another hard pull. You may luck out and not receive one.

Agreed. Any matter having to possibly to do with a hard pull, expect it. If it doesn't happen to be one in the end than great!





My Cards:




Profile Type: New, Thin, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 24.95k Util. 1% AAoA: 1yr, 9mo.
AoOA: 2 yrs, 7 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 4 of 9
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Community Leader
Mega Contributor

Re: PenFed Single Pull or Double

While you are trying for another can  you ask them if i can get one? ThanksSmiley Happy

Message 5 of 9
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Valued Contributor

Re: PenFed Single Pull or Double

They have pulled me for everything. Half my EQ pulls are PenFed.

Screenshot_2020-02-19 FICO Score 3B Report - Credit Data.png




RIP: BTFD 20/02/2020
Gardening is hard. I failed to meet last 2 SUBs.
“If you don’t know, the thing to do is not to get scared, but to learn.” – Ayn Rand
Message 6 of 9
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Valued Contributor

Re: PenFed Single Pull or Double


@AverageJoesCredit wrote:

While you are trying for another can  you ask them if i can get one? ThanksSmiley Happy


I am afraid to ask for another one lol.


Filed chapter 7 in May 2017.
Message 7 of 9
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Super Contributor

Re: PenFed Single Pull or Double

Good luck !



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>04/2020 CCT EX 834 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 8 of 9
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Contributor

Re: PenFed Single Pull or Double

When I app'd for a second card a week apart, the same HP was used. Spoke with a CSR at the time who checked with UW to ensure it would not be a new pull, I suggest you do the same.







Message 9 of 9
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