Penfed Duplicate Inquiry

[sammyfire2001]

So I joined Pedfed yesterday and when I checked my credit report today on CreditSecure I saw that there were 2 inquiries instead of 1? Is it possible to dispute one of them. I really don't understand why there are 2.

[haulingthescoreup]

It might have been a display error, or a problem when they pulled the report in the first place.

I'd start by calling PenFed and asking what they show on their end.

[sammyfire2001]

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@haulingthescoreup wrote:
It might have been a display error, or a problem when they pulled the report in the first place.

I'd start by calling PenFed and asking what they show on their end.

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Hi Hauling.  I called penfed this morning and the CSR didn't seem to understand what I was saying and told me that I needed to call equifax.  So I pulled my actual equifax report and called equifax and opened a dispute to remove the other inquiry. 

[haulingthescoreup]

Hope they can untangle it.

Hey, congrats, 100 posts!

sammyfire2001
Regular Contributor
Posts: 100
Registered: 03-12-2008

 

[sammyfire2001]

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@haulingthescoreup wrote:

Hope they can untangle it. Hey, congrats, 100 posts!

sammyfire2001 Regular Contributor Posts: 100 Registered: 03-12-2008  

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Thanks Hauling!

[smallfry]

I would not have disputed the inquiry with Equifax. I would have called Penfed and escalated the phone call to a supervisor and explained the situation to them. They could have removed the duplicate inquiry. Obviously you got a less than knowledgeable CSR the first time you called.

Disputing inquiries can lead to extended fraud alerts of up to 7 years on all three of your credit reports.

[Anonymous]

Not only that - the 2nd INQ won't hurt your score

INQ's from the same source are de-dulicated in scoring.

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smallfry wrote:
I would not have disputed the inquiry with Equifax. I would have called Penfed and escalated the phone call to a supervisor and explained the situation to them. They could have removed the duplicate inquiry. Obviously you got a less than knowledgeable CSR the first time you called.

Disputing inquiries can lead to extended fraud alerts of up to 7 years on all three of your credit reports.

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