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Applied for Penfed card mid December and was not approved because of thin file and short history. Credit file has approved some at this point. If I reapply now will they do a new hard pull or use the same hard from when I became a member? Its only been a little over 60 days.
If it was "thin" 60 days ago it will still be considered thin this soon, no matter how many other accounts you have added this soon. Give it at least 6 months.
Penfed can be a tough nut to crack on certain profiles. I have had account(s) since 2013 with them and just recently they finally opened up to me on credit with a powercash @ 1500. My score is in the 660-690 range and i have way, way more accounts now than previously when applying. Previously it seemed like the main reason was my BK in 2012. I estimate i tried annually for a credit product from them.
@tbea1004 wrote:Applied for Penfed card mid December and was not approved because of thin file and short history. Credit file has approved some at this point. If I reapply now will they do a new hard pull or use the same hard from when I became a member? Its only been a little over 60 days.
Definitely too soon - and yes, it will be a new hard pull. Wait 6 months and don't waste that hard pull.