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When all these users do these app sprees, i'm assuming they're doing it all on the same day? I don't get the inquiry alerts until the next day. Do the inquiries show up real time or do people literally app 25 times on the same day since the inquries aren't visible?
Real time most of the time.
Then that would explain people getting denials starting around the 6th or 7th application.
Inquiries are in real time when the CRA is accessed. So, depending on the CRA pulled, lenders would definitely see those other inquiries.
+1, All my apps that resulted in HP immediately showed up on the CB they were pulled from.