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chase cli for 2 cards

Valued Contributor

chase cli for 2 cards

If i have 2 chase cards and i want to do a cli on both in the same day, does that count for only 1 inquiry? thanks
4 REPLIES
Moderator Emeritus

Re: chase cli for 2 cards



oracles wrote:
If i have 2 chase cards and i want to do a cli on both in the same day, does that count for only 1 inquiry? thanks

Good question.  I would suspect it would involve two pulls, but I'm not sure about that.
 
As far as whether it counts for one inquiry, as far as FICO is concerned the answer is yes.  FICO would deduplicate them even if they pulled twice, but they would still show as two inquiries on your report.
 


Message Edited by cheddar on 07-05-2008 06:25 PM
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App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
Super Contributor

Re: chase cli for 2 cards



cheddar wrote:








oracles wrote:
If i have 2 chase cards and i want to do a cli on both in the same day, does that count for only 1 inquiry? thanks




Good question.  I would suspect it would involve two pulls, but I'm not sure about that.

 

As far as whether it counts for one inquiry, as far as FICO is concerned the answer is yes.  FICO would deduplicate them even if they pulled twice, but they would still show as two inquiries on your report.

 


Message Edited by cheddar on 07-05-2008 06:25 PM




Why would FICO count them as one if they were for CLIs?
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus

Re: chase cli for 2 cards



MidnightVoice wrote:

Why would FICO count them as one if they were for CLIs?

FICO de-dupes same-creditor INQs, similar to the way that auto loan INQs are de-duped.  Except in this case it's not the type of INQ that matters, but the actual creditor.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
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Valued Contributor

Re: chase cli for 2 cards

thanks cheddar, that is what i thought.