topic Re: How does US Bank compute x/12 by application date or month in General Credit Topics https://ficoforums.myfico.com/t5/General-Credit-Topics/How-does-US-Bank-compute-x-12-by-application-date-or-month/m-p/6754659#M331754 <P>I think they count months, so May.&nbsp;</P><P>Inquiries are by cra, so what counts is how many for the one us b pulls. For me, they pulled tu, but it's regional.</P> Fri, 19 Apr 2024 04:04:00 GMT FicoMike0 2024-04-19T04:04:00Z How does US Bank compute x/12 by application date or month https://ficoforums.myfico.com/t5/General-Credit-Topics/How-does-US-Bank-compute-x-12-by-application-date-or-month/m-p/6754638#M331749 <P>I am currently 2/12 as I applied to two cards in April 2023. The two inquiries appeared on my report on April 18 2023. Does that mean if I apply for USBAR on the 19th I am considered 0/12, or should I wait until May 1st?</P> Fri, 19 Apr 2024 02:13:42 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-does-US-Bank-compute-x-12-by-application-date-or-month/m-p/6754638#M331749 goldenmj32 2024-04-19T02:13:42Z Re: How does US Bank compute x/12 by application date or month https://ficoforums.myfico.com/t5/General-Credit-Topics/How-does-US-Bank-compute-x-12-by-application-date-or-month/m-p/6754659#M331754 <P>I think they count months, so May.&nbsp;</P><P>Inquiries are by cra, so what counts is how many for the one us b pulls. For me, they pulled tu, but it's regional.</P> Fri, 19 Apr 2024 04:04:00 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/How-does-US-Bank-compute-x-12-by-application-date-or-month/m-p/6754659#M331754 FicoMike0 2024-04-19T04:04:00Z