Pentagon Federal Credit Union Data Share

[Anonymous]

I noticed an AR dated 5/31/16 on my EQ report, that is about 1 month since my 1st hp for new accounts, my question is, will this supersede the original hp from one month ago?

[baller4life]

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@Anonymous wrote:

I noticed an AR dated 5/31/16 on my EQ report, that is about 1 month since my 1st hp for new accounts, my question is, will this supersede the original hp from one month ago?

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Interesting point. Musiclover reported they used a sp for cli opposed to original hp. We need more data on that.

[Anonymous]

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@baller4life wrote:

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@Anonymous wrote:

I noticed an AR dated 5/31/16 on my EQ report, that is about 1 month since my 1st hp for new accounts, my question is, will this supersede the original hp from one month ago?

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Interesting point. Musiclover reported they used a sp for cli opposed to original hp. We need more data on that.

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Yes, that is exactly what happened. The soft pull was used to deny my first attempt at a PLOC from them. 

[jeffm4688]

Product(s) approved and Limit(If approved for multiple products please include date if not immediate) : promise visa sig (12K)
EQ 08 Fico: 667
Penfed Nextgen: 690 on 3/1

Instant or Review?: instant

POI?(If yes, what type of proof of income) : none

AAOA: 1.5 years oldest account 6 years
Derogs?: (If you have a BK please list type and discharge date!) : 1700 unpaid collection from 2012 but "opened" 10/2014 

Util: 8% (which is like 7K)

Total EQ Inquiries: 56

                Last 12 months: 41

                Last 6 months: 20
New Accounts in last 12 months: 23
                                 Last 6 months: 10

[baller4life]

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@Anonymous wrote:

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@baller4life wrote:

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@Anonymous wrote:

I noticed an AR dated 5/31/16 on my EQ report, that is about 1 month since my 1st hp for new accounts, my question is, will this supersede the original hp from one month ago?

---

Interesting point. Musiclover reported they used a sp for cli opposed to original hp. We need more data on that.

---

Yes, that is exactly what happened. The soft pull was used to deny my first attempt at a PLOC from them. 

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Very interesting! And you were still in your 90 day window?

[Anonymous]

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@baller4life wrote:

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@Anonymous wrote:

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@baller4life wrote:

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@Anonymous wrote:

I noticed an AR dated 5/31/16 on my EQ report, that is about 1 month since my 1st hp for new accounts, my question is, will this supersede the original hp from one month ago?

---

Interesting point. Musiclover reported they used a sp for cli opposed to original hp. We need more data on that.

---

Yes, that is exactly what happened. The soft pull was used to deny my first attempt at a PLOC from them. 

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Very interesting! And you were still in your 90 day window?

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Yes, I was toward the end of the 90 day window.

[baller4life]

Hmmm ok. Folks be aware. They could use a sp instead of your original hp.

[Loquat]

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@Anonymous wrote:

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@baller4life wrote:

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@Anonymous wrote:

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@baller4life wrote:

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@Anonymous wrote:

I noticed an AR dated 5/31/16 on my EQ report, that is about 1 month since my 1st hp for new accounts, my question is, will this supersede the original hp from one month ago?

---

Interesting point. Musiclover reported they used a sp for cli opposed to original hp. We need more data on that.

---

Yes, that is exactly what happened. The soft pull was used to deny my first attempt at a PLOC from them. 

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Very interesting! And you were still in your 90 day window?

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Yes, I was toward the end of the 90 day window.

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Thanks for the data point!

[Anonymous]

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@baller4life wrote:
Hmmm ok. Folks be aware. They could use a sp instead of your original hp.

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Is it normal for PenFed to do a sp on a regular basis, similar to Navy Fed every 2 months???

[baller4life]

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@Anonymous wrote:

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@baller4life wrote:
Hmmm ok. Folks be aware. They could use a sp instead of your original hp.

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Is it normal for PenFed to do a sp on a regular basis, similar to Navy Fed every 2 months???

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Every qtr you get an updated Nextgen score. January,April,July and October 1st. They will sp our EQ the month prior. It's odd there's a month delay. But, that's just how they do it.