I applied for this card today and I got the same response as Nana. Never got to the funding part. I moved in March. From what I understand there is not supposed to be an inquiry pulled on a CRA, but then again, how would they verify address? Especially since they did not get to the funding part. If they check with a CRA is it hard or soft? To my knowledge the only CRA that appears to have my old address is EQ. I am currently disputing through them and they waited almost a month to send me that darned letter about proving my address and identity and that they could not process my disputes without that info, provide the info and resubmit the disputes...blah, blah, blah. It looks like Nana should be hearing back from Cobalt by tomorrow so it will be interesting to see what the hold up is.