I was waiting until mid June to pull my EQ credit report and see whether PenFed was on it but today MyFICO sent me an "upgrade notification" saying that they were now using a new scoring model.
The good news is that they gave me a free copy of my EQ report.
The bad-ish news is that the PenFed hard inquiry was there. So to sum up my PenFed experience they didn't pull EX or TU but they did hard pull me on EQ. I joined and applied for a Visa Signature at the same time so either they used one pull for both or they didn't hard pull for joining but they did for the Visa app which of course they would. I guess that doesn't give any clarity on whether or not they hard pull for joining.
The really bad news is that under the new scoring formula my EQ score dropped from 802 to 732. Absolutely nothing has changed regarding my credit since May 11th when they showed me at 802 (i.e. UT is the same, no new apps, etc.). What I can see is that my AAoA dropped from 6 years to 9 months which is exactly correct when my two AU accounts aren't considered in my AAoA. Very depressing.
