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Discussion in 'Credit Talk' started by JE, Jan 2, 2001.
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No matter if you are approved or not, recent inquiries do affect your score, not very much but still negatively.
Say 2 show on Equifax, 2 on Trans Union, and 2 are Experian, very little. But if somehow all 6 ran same credit bureau more so and would hurt your chances in the near future, because of too many inquires in 6 months.
If those six creditors used different CRA,you would be OK.
May I ask what other two besides NextCard gave you instant approval? Last Friday I apply for Bank of America and been PENDING ever since with the weekend and Monday being New Year's.
Capitol One Gold and JCPenneys. What do you mean Pending BOA? Is there a way you can check status of your application?
Yes, go to www.bankofamerica.com hit on credit cards and look in left hand column for CHECKING STATUS. Screen name, SSN, and Mother's maiden name required.
I would take PENDING as they haven't processed it completely. I don't think it the same as a Pending Transaction where you know it will come.
OK- I got "no matches found" maybe it is too soon after the holidays. I'll try again tomorrow.
You should realize the credit bureau databases are reflective upon a midnight update. Its very possible if you apply for several credit cards at one VERY short time, that the credit bureau will not reflect the new inquiries nor effect the score.
You're 1/2 wrong on that count -- inquiries post and will be reported immediately, while tape/network updates (your account info from creditors) post overnight.
I've seen this happen - (long ago) when I worked in new accounts for a dept. store, if I pulled a report and the printer jammed and I pulled it again, my inquiry from 1 minute ago would be on the new report. I noticed that it still works this way when we did a refinance- the bank pulled a report in the branch and the credit processor they used pulled one - both on the same day - the processor's report showed the bank's inquiry.
hmm must have changed. Btw, if you re-pull a report from the same creditor on the same day, its not suppose to soft or hard inquiry, if its a "re-get" in the case of a jam
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