For me, the max is 0. GEMB hates me and won't tell me why.
They denied me for Old Navy and Walmart. Denied due to being unable to verify telephone number and identity. In the letter it said they did not use a CR to base their decision. The Walmart one said it was based on information by Lexis Nexis. Yet, they still pulled EQ, so I am annoyed and plan to write them asking them to remove the inquiry, seeing as they "say" they didn't use a CR to make the decision.