Rebuilding Your Credit

[Ravensfan2001]

The last day of my app spree was 11/24/12. Two inquiries have shown up since then. I did apply for those cards in the beginning of November, but is it normal for inquiries to show up weeks later? Credit Karma is my only reference.... Also, does it mean I have to start my gardening date over????

[annielorie]

What are the inquires from ? Are your CC co. checking up on you with a new hard pull or is it just the inquiry (original showed up late)

[xwill04]

This may just be that CK has a delay in sending you alerts.

I use USAA credit monitoring and it shows my inquiry alerts a few days later but then when I click on the inquiry it gives me thae actual inquiry date from when my credit was pulled.

This may be normal, just my experience

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Ravensfan2001 wrote:

The last day of my app spree was 11/24/12. Two inquiries have shown up since then. I did apply for those cards in the beginning of November, but is it normal for inquiries to show up weeks later? Credit Karma is my only reference.... Also, does it mean I have to start my gardening date over????

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[Ravensfan2001]

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annielorie wrote:

What are the inquires from ? Are your CC co. checking up on you with a new hard pull or is it just the inquiry (original showed up late)

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GECRB Old Navy and Toys R Us. I have neither. So it's the original inquiry. I applied for both around 11/11/12. Toys R Us showed up a few days ago and Old Navy showed up today.

[Ravensfan2001]

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xwill04 wrote:

This may just be that CK has a delay in sending you alerts.

I use USAA credit monitoring and it shows my inquiry alerts a few days later but then when I click on the inquiry it gives me thae actual inquiry date from when my credit was pulled.

This may be normal, just my experience

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Ravensfan2001 wrote:

The last day of my app spree was 11/24/12. Two inquiries have shown up since then. I did apply for those cards in the beginning of November, but is it normal for inquiries to show up weeks later? Credit Karma is my only reference.... Also, does it mean I have to start my gardening date over????

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I hope it was just a delay. My experience with Credit Karma is that the inquiries would show up the next day with the update. And the thing with the Toys R Us inquiry, I got the denial email 2 days after the pull. That card was one of the first cards I applied for. Another thing that I'm afraid of is that I heard Barclay is weird about inquiries after opening an account. I don't want them to close my account for those inquiries. I love my Baltimore Ravens card!

[llecs]

IME, CK has been unreliable.

[annielorie]

Thats not such a big deal I was under the impression you were taking hard inquiries in addition to the originals.  Maybe it was due to the holiday. 

[annielorie]

Or maybe it was due to the fact of hurricane sandy, dont know where you live but it could have just been delayed in processing. Anyway its o.k.

[Jutz]

I'm with the rest, I think it's just CK.  When I apped for WalMart, also TU/GECRB, CK took a few days to send me my INQ notification

[Ravensfan2001]

So I just found out that apparently, I have an Old Navy account. Checked my Experian report today, and Old Navy is reporting. Lol! Yay!

I just didn't want anymore inquiries or new accounts since I overdid it last month. Now I feel like I have to start my gardening date over again.

Thank you all for the input.