Penfed Membership: No hard pull

[Anonymous]

I just applied via a pre-approved offer

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@Anonymous wrote:

THIS! Thank goodness I ran across this thread. I've been wanting to add PenFed to my list of lenders for quite some time now, I just didn't wanna go through the hard-pull process just yet. Luckily the members of fico forums come through, for me, yet again! Thankyou so much!

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I applied via a preapproved offer, not HP or signup needed.

[Anonymous]

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@SB_F wrote:

I had a HP to open savings in Oct 2019 with $4000.

I think I see a common thread though. Evrybody with no HP appeared to be responding to mailer/invitation or similar. i just went to their site and applied to open an account. Immediate EQ HP. So i don't know if they changed between min and yours.

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Thanks for the observation. I replied to a pre-approval using a PC, and no HP or signup for an account was needed.

[Mr_Mojo_Risin]

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@Anonymous wrote:

I just applied, not HP or signup needed.

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I joined on Saturday with no HP also, I was a little nervous though. 😆

[bettercreditguy1]

Congrats on your membership! They are awesome.

[Anonymous]

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@Anonymous wrote:

I just applied via a pre-approved offer

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@Anonymous wrote:

THIS! Thank goodness I ran across this thread. I've been wanting to add PenFed to my list of lenders for quite some time now, I just didn't wanna go through the hard-pull process just yet. Luckily the members of fico forums come through, for me, yet again! Thankyou so much!

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I applied via a preapproved offer, not HP or signup needed.

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@Anonymous Hey did your preapproved offer look like this? I was told via youtube that preapprovals have an access number in the email, I didn't get an access number nor am I a member with them currently. Let me know how your preapproval looked, thanks.

[Anonymous]

No to sound stupid, but out of curiosity what is so great about having an account with them, benefits wise I mean?

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[bettercreditguy1]

They have extremely polite Customer Service Reps whom are knowledgeable, a great selection of credit cards for your lifestyle, often instantaneous reviews for cli's and a stream lined application process for personal and auto loans often in 24-48 hours or less. I've been with them over 20 years and find their processes professional, detailed, and expediant. I give them six stars!

[Anonymous]

I just had to establish membership over the phone because apparently back in 2018 they actually had to establish an account for me to take my credit card app so the guy had to get that all overridden and then set me up with a new account. There was no HP and the form he read to me actually said that the credit check will not affect my credit.

I know that it used to be a HP if they did it over the phone so I am glad to see that they have axed that. I even mentioned it to the rep and he said yes, its gone, and he's thankful for that. lol.

[Fated4Credit]

I got a HP for membership last October. When I called they said they were integrating a new system, so maybe my app got caught up on the old system 🤔🤷‍♀️