So I waited on the auto line for a real person to ask if we even did the application correctly because it never pulled credit for me as joint owner for the cc application. She said yes she can see my app and we did it correctly, but it was an auto denial for DH, which kept them from pulling my credit but she can't tell me why it was a denial (I figured that before I called).
I told her that was a bummer that we were hoping to be able to use US Bank as our local bank in the area where we just moved to and that I didn't want to pay the $16.95 fee to have gold checking with no CC so I'd have to go cancel my account. I was very nice, just saying it was a bummer. Before I could finish, she said she would sent it back to underwriting with a note on it. I told her I was hoping they wouldn't have pulled Eq solely because Penfed is HP happy and dinged Eq at least 10 times in the last year while we were buying a home and considering the HELOC on our other home. She said she would notate that and send it back through. We shall see how that goes! I don't know if his Eq score is strong enough to get our foot in the door.
Just a US Bank waiting game at this point 
@CreditMagic7 wrote:
Wish i could offer some experience on PenFed but i was approved by them some year or so ago at the top of a profile improvement as they didn't suit or even come close to meeting NFCU and Alliant CU for me so i dismissed them and moved on per my own habits.
Honestly, if Penfed hadn't been there for us a couple of years ago when we needed to buy new (new to us not new-new) vehicles, I would kick them to the curb. I feel like they have buckled down with their lending and have not been able to beat interest rates like they did before. They are turning into USAA 
On another note - I just got an alert that my Equifax was pulled by US Bank. The rep I talked to earlier said if they weren't going to approve DH, they wouldn't pull my credit. So maybe that is good news? Still nothing in the automated system. I might give them a call on the way home from work today to see if they have anymore info for me. I am hoping that if UW decided to give DH a chance, they won't decline his app after pulling mine. I only have one negative account from 2016 that has a 0 balance, but most of the cards we used while reno-ing our other home are on my credit so my util is poop (around 39%). The consolidation loan we just took out is paying off most of it, but not all of it has reported yet. We should have been a bit more patient 
@Anonymous wrote:
@CreditMagic7 wrote:
Wish i could offer some experience on PenFed but i was approved by them some year or so ago at the top of a profile improvement as they didn't suit or even come close to meeting NFCU and Alliant CU for me so i dismissed them and moved on per my own habits.
Honestly, if Penfed hadn't been there for us a couple of years ago when we needed to buy new (new to us not new-new) vehicles, I would kick them to the curb. I feel like they have buckled down with their lending and have not been able to beat interest rates like they did before. They are turning into USAA
On another note - I just got an alert that my Equifax was pulled by US Bank. The rep I talked to earlier said if they weren't going to approve DH, they wouldn't pull my credit. So maybe that is good news? Still nothing in the automated system. I might give them a call on the way home from work today to see if they have anymore info for me. I am hoping that if UW decided to give DH a chance, they won't decline his app after pulling mine. I only have one negative account from 2016 that has a 0 balance, but most of the cards we used while reno-ing our other home are on my credit so my util is poop (around 39%). The consolidation loan we just took out is paying off most of it, but not all of it has reported yet. We should have been a bit more patient
It's always a good thing when any lender be it CU or other comes through for you. Tightening up comes and goes and we sometimes just get caught in those changes, and usually when least expected.
If there is any consolation to come from this experience is that it's a lesson to learn while you and DH expand your profiles going forward.
We all look for FAIR and it eventually comes our way but takes time and these sort of bumps along the way. You have an excellent attitude having run into this one and dealing with it the only way there is.
On a different note best of luck that US Bank brings something through in spite of everything else that resulted in throwing things a little off balance.