want 3.99% financing?

[Ctrain24]

Originally Posted by Jeanius

So I just went though the whole member process, and am now reading through this whole thread, I have a question

Did they run my credit just for becoming a member and not applying for a loan?

Originally Posted by trudawg660

No

I emailed PenFed about two weeks ago to ask if they do a credit check when applying for membership and they said yes.

[Croathlete]

I don't think they can run a credit check without your permission...

[Ctrain24]

Here's the email:



Thank you for contacting Pentagon Federal Credit Union.

Yes, your credit report is reviewed when you apply for membership. To apply for membership with Pentagon Federal Credit Union, you may complete an application on-line on the following webpage:

https://www.penfed.org/howToJoin/overview.asp

Once your application is received and your eligibility to join Pentagon Federal Credit Union has been confirmed, you will receive an e-mail confirmation that your membership has been established. Account opening materials will arrive by mail shortly thereafter.

If you prefer, you can download and print a membership application/signature card from https://www.penfed.org/pdf/accountsforms/13.pdf and mail it to the
following:

Pentagon Federal Credit Union
PO Box 70046
Eugene, OR 97401

Additionally, you may contact a Member Service Representative by telephone at
800-247-5626 or 510 376-7328 from a Class A DSN phone line to establish the membership. Representatives are available 7 days a week during the following hours:

Monday - Friday: 7:00 am to 1:00 am ET
Saturday - Sunday: 8:00 am to 1:00 am ET


If you need further assistance, please contact us.

Sincerely,

Emily Johnston
Pentagon Federal Credit Union

[slick rick]

Originally Posted by Ctrain24

I emailed PenFed about two weeks ago to ask if they do a credit check when applying for membership and they said yes.

PenFed showed up as an inquiry on my report.

[trudawg660]

Originally Posted by Croathlete

I don't think they can run a credit check without your permission...

That is true, and i just looked at the enrollment page and it does act for your social but it doesnt say anything about pulling your credit.

[trudawg660]

Originally Posted by slick rick

PenFed showed up as an inquiry on my report.

are you sure that inquiry is from your enrollment and not you trying to get a loan

[trudawg660]

Originally Posted by Ctrain24

Here's the email:



Thank you for contacting Pentagon Federal Credit Union.

Yes, your credit report is reviewed when you apply for membership. To apply for membership with Pentagon Federal Credit Union, you may complete an application on-line on the following webpage:

https://www.penfed.org/howToJoin/overview.asp

Once your application is received and your eligibility to join Pentagon Federal Credit Union has been confirmed, you will receive an e-mail confirmation that your membership has been established. Account opening materials will arrive by mail shortly thereafter.

If you prefer, you can download and print a membership application/signature card from https://www.penfed.org/pdf/accountsforms/13.pdf and mail it to the
following:

Pentagon Federal Credit Union
PO Box 70046
Eugene, OR 97401

Additionally, you may contact a Member Service Representative by telephone at
800-247-5626 or 510 376-7328 from a Class A DSN phone line to establish the membership. Representatives are available 7 days a week during the following hours:

Monday - Friday: 7:00 am to 1:00 am ET
Saturday - Sunday: 8:00 am to 1:00 am ET


If you need further assistance, please contact us.

Sincerely,

Emily Johnston
Pentagon Federal Credit Union

That is crazy, there suppose to be a disclamer before you pull someones credit

[slick rick]

Originally Posted by trudawg660

are you sure that inquiry is from your enrollment and not you trying to get a loan

I haven't started the application process for the loan.

[Bell040]

Originally Posted by trudawg660

No

please don't just post "NO"... if you really don't know

[Ctrain24]

I sent them a follow up email a couple days later asking if they do another credit check if I apply for a loan and :


Thank you for contacting Pentagon Federal Credit Union.

Typically, Pentagon Federal will keep your credit report on file for 90 days.
Any application that is completed within that time frame should use the same report.

If you need further assistance, please contact us.

Sincerely,

Kara Bedker
Pentagon Federal Credit Union

[trudawg660]

Originally Posted by slick rick

I haven't started the application process for the loan.

well i joined and applied for a loan in the same day, but they pulled it once

[trudawg660]

Originally Posted by Bell040

please don't just post "NO"... if you really don't know

Well i did join and applied for a loan and i have one inquiry on my credit.

[Ctrain24]

Originally Posted by trudawg660

Well i did join and applied for a loan and i have one inquiry on my credit.

Read the email I posted above. They keep your credit report on file for 90 days after applying for membership. They use that report for any credit you apply for within 90 days of becoming a member.

[Jeanius]

DAMNIT! my credit will be much better when it comes time to do the financing!! Cant believe Im saying this but now a part of me hopes it takes over 90 days to get my Camaro