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How fast do inquiries hit?

Established Contributor

How fast do inquiries hit?

Do inquiries hit instantly?  Or, if you did a spree all on one day would each see the ones before that same day, or do inquiries take hours or a day to show?

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 1 of 25
24 REPLIES
Established Contributor

Re: How fast do inquiries hit?

They are instantaneous 

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 2 of 25
Mega Contributor

Re: How fast do inquiries hit?

Immediately after you app.



EQ FICO 548 3/3/16
Message 3 of 25
Super Contributor

Re: How fast do inquiries hit?

Before you see the approval screen Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 25
Frequent Contributor

Re: How fast do inquiries hit?

so fast that you can't trick the system with multiple apps at the exact same time.  Milliseconds ?

About 400k in Credit Lines
CSP 29.9k, Citi DP 42.5k, Chase Marriott 12k, Chase IHG 6.5k, Sams MC 20k, Amex Hilton Surpass 356k, Hawaii Air 26k, Discover More 50k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 43.8k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 43.7k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 5 of 25
Valued Contributor

Re: How fast do inquiries hit?


Bay_Area_Joe wrote:

so fast that you can't trick the system with multiple apps at the exact same time.  Milliseconds ?


YMMV

 

Multiple browser window app'ing, is not a new thing.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 6 of 25
Established Contributor

Re: How fast do inquiries hit?

In the time it took me to type this thousands of inquiries needlessly died at the hands of a credit card applicants.

 

Yeah, it's that fast. I would have used hundreds but I am a slow typer. 

Message 7 of 25
Established Contributor

Re: How fast do inquiries hit?

LOL!  Thanks.  Smiley Tongue

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 8 of 25
Established Contributor

Re: How fast do inquiries hit?


myjourney wrote:

Before you see the approval screen Lol


It's actually when you are filling out an app LOL.  IF you change your mind and hit escape, it's only a SP. 


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 9 of 25
Valued Contributor

Re: How fast do inquiries hit?

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

Message 10 of 25