I know they pulled EQ for me (in MD) which is loaded with INQs (now 19!). CareCredit is with GEMB - and I have 3 cards managed by GEMB - all perfect pay history and low util ($40 out of $1100) which 'may' have helped), 4 managed by Citi (3 at $0 balance), 2 by HSBC both at 40% right now and a Cap1 at 30%. I used my Citibank (with highest CL) as the 'reference card' which they require.
Sad part is - none of the denatl work is 'cosmetic' it's all repair work - 2 3-tooth bridges and 2 crowns, 3 replacement of old bonds starting to crack.