PENFED LOVE BUTTON

[Guardian]

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@nathan wrote:
I tried to push the button, but it required me to check a box accepting a pull, which I presume is a hard because it didn't specify. i immediately canx the application until I get enough evidence that it is a soft. i am not taking any chances on my eq which is already pregnant with a lot of inqs. I hope some forum member will provide that evidence for me.

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Good call.

[nathan]

Very well.

[haulingthescoreup]

I am reasonably certain that when I clicked (with the poor CSR making encouraging noises), it came up with a "Congrats..."

If so, this means that PenFed is like Citi --if they want you to fill out a form, it's a hard, and there's no guarantee. If they say congrats, you are approved, jump on it.

[Guardian]

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@haulingthescoreup wrote:
I am reasonably certain that when I clicked (with the poor CSR making encouraging noises), it came up with a "Congrats..."

If so, this means that PenFed is like Citi --if they want you to fill out a form, it's a hard, and there's no guarantee. If they say congrats, you are approved, jump on it.

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My friend, I think the concern is whether or not your CLI was waiting for you and it was softed vs. if we mere mortals went through the CLI process, it might hit as a hard because it was "initiated" by us instead of true love, make sense?

[haulingthescoreup]

I agree; I think that there is a huge difference between a lender-initiated CLI and a consumer-requested one.

I just went poking through my e-mails to see if they ever sent a "Hey, idiot, we're trying to give you credit," but I couldn't find one. I think that there was a thread going here about a pop-up luv button, and I checked my online account, and there it was.

*just found where I posted about the CLI --I'd forgotten how they do it (odd, but I'll take it)*

Santa PenFed brings Christmas in October

[nathan]

Hey Guardian, what happened to your exp?

[Guardian]

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@nathan wrote:
Hey Guardian, what happened to your exp?

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I actually have not yet seen a luv button or a CLI, but then again my account is hardly a month and half old with PenFed. I am not expecting anything anytime soon, they treated me pretty well to start with so I can wait.

[Anonymous]

hauling -

in your other post that you linked to you spoke about usaa.  we are members and have insurance with them...but haven't ever apped for credit.  who do they pull from on CRA's?

[haulingthescoreup]

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txjohn wrote:

hauling -

in your other post that you linked to you spoke about usaa.  we are members and have insurance with them...but haven't ever apped for credit.  who do they pull from on CRA's?

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Almost always EQ. Answered more here:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=153462#M153462