It's my understanding that they always HP all three. A friend of mine got a rejection not to long ago that specifically sited that there were too many inquiries on her Experian report as they reason she was turned down. That report by far has the most amount of inquiries for her.
But it's definitely not an automatic now. It took me two weeks to get approved on an app one. Sometimes things just move really slow through the system. I hope you get good news!
Don't loose hope, I also received the "7-10" message the first time I applied for a quicksilver visa. I emailed the EO for reconsiderstion, and was approved for a $3,000 SL.
|TCL: $306,100||Utilization: 6%||AAoA: 5yr 2m||Other: Lease, Loan, No Mtg.||Baddies: 0|