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How fast do inquiries hit?

Established Contributor

Re: How fast do inquiries hit?


boomhower wrote:

Pretty much instantaneous.  Your better off trying to app for cards that pull different CRA's as then they won't see them. 


Yes!  Now I need to find THAT thread...  who pulls what.  Not apping yet but trying to prep so when I do I have a plan and not be foolish.  Smiley Happy

FICO: EQ 768 | TU 813 | EX 781

Amex BCE $25000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $8000, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $7900, Citi Double Cash $3700, Care Credit $13500k.
My Credit Repair Journey
Message 21 of 25
Established Contributor

Re: How fast do inquiries hit?


pakman92 wrote:

I read somewhere that multiple inquiries from the same creditor on the same day will get collapsed ito one after a day or so.  Is this true?


On my TU FICO/report, SW tells me that I only have one inquiry and applauds me.  But I have 5, all the same day.  They are all different cc's from last October 12.  Weird that myFICO TU (SW) would ball them into one and tell me I'm being really good??

FICO: EQ 768 | TU 813 | EX 781

Amex BCE $25000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $8000, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $7500, Citi Diamond $7900, Citi Double Cash $3700, Care Credit $13500k.
My Credit Repair Journey
Message 22 of 25
Established Contributor

Re: How fast do inquiries hit?

On a personal note:  I App'd for Chase on 3/15 after hours and when I refreshed Karma 3/16 morning, the HP alert was present.  I App'ed Discover on 3/16 which obviously was the weekend, and the alert still hasn't shown up.  I know that isn't an actual FICO report, but Karma sure did get the Chase HP pretty fast.


TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15































Message 23 of 25
Established Contributor

Re: How fast do inquiries hit?

HPs are instant. You can hit "Apply" and then go view your Experian report and the HP will be there by the time you log in.

 

Credit Karma and Credit Sesame run their monitoring stuff in a batch process every morning or whatever, so that's why they come up then.

Message 24 of 25
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Established Contributor

Re: How fast do inquiries hit?


rlx01 wrote:

HPs are instant. You can hit "Apply" and then go view your Experian report and the HP will be there by the time you log in.

 

Credit Karma and Credit Sesame run their monitoring stuff in a batch process every morning or whatever, so that's why they come up then.


+1 on this. I have an open EX report from a dispute and the HP for cards I applied for last week showed up as soon as I logged in to check. I closed the browser window for the application then opened one for EX and signed in. 

Message 25 of 25