topic Re: Will my current app be affected by another pull? in Credit Card Applications

Will my current app be affected by another pull?

Anonymous — Wed, 07 Dec 2016 11:50:33 GMT

If I'm currently under review for an app, and that bank already pulled my credit, will they be aware if I do an additional app and pull somewhere else's? Or since they pulled my credit already, they won't see that update to my inquire count?

Re: Will my current app be affected by another pull?

Anonymous — Wed, 07 Dec 2016 13:13:40 GMT

If they already pulled your report, there's no way that they would see another inquiry unless they pull your report again for some reason which I don't think would happen too often. Not for something like a CC anyway. If you were talking a mortgage that was drawn out for a month or so, I could see the lender giving you a HP initially, then a SP a month later to just sort of check in on the profile to ensure it was still the same.

Re: Will my current app be affected by another pull?

Anonymous — Wed, 07 Dec 2016 19:28:40 GMT

I'm not sure who the first app is through, but Chase has been known to SP while evaluating your app so they would see the new INQ.

Re: Will my current app be affected by another pull?

Anonymous — Thu, 08 Dec 2016 21:57:25 GMT

It's possible, as during underwriter review they can do a SP on the credit report to see if anything is changed.

It happened for me once, when I applied for a credit union card and conditionally approved( pending income verification); assuming my application was approved, I applied for other cards from other banks.

But when I submitted POI, credit union declined to move further with my application citing recent inquiries on my CR(apart from inquiries, I did not have any negatives on my report).

Hence if you applied for a particular card in need, it's better not to apply other cards until the application in question is completely approved.

As above poster mentioned, I have seen many people reporting on Chase doing SP during the time period application was pending.