USbank underwriting what should I say?

[falzool]

So its being looked at by underwriting and well the only thing i seem me getting denied for would be recent inq. I applied for cash+ but I went on a app spree applied for SM,Discover,amex everyday and was approved for them then i applied for usbank if they ask why do I have 3 inq so close together what should I say?

[jzamarripa3220]

TBH, I wouldn't worry too much about the inquiries. How many total inquiries do you have tho? I too applied for a us bank cash+ earlier in the week and it took three day for them to make a decision. I really thought that my chances were slim and I expected a denial but it came back approved. I have about 14inq, three were from this and about 6 or7 were within 8 months ago. They might not even ask but just be hones. Say you have certain spending obligations and figured that some cash back is better then no cash back.

[Anonymous]

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@falzool wrote:

So its being looked at by underwriting and well the only thing i seem me getting denied for would be recent inq. I applied for cash+ but I went on a app spree applied for SM,Discover,amex everyday and was approved for them then i applied for usbank if they ask why do I have 3 inq so close together what should I say?

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@Faizool,

Is it possible you are over thinking it?  3 inquiries should not be a problem.. What you should also keep in mind is U.S Bank uses ARS/IDA reports also when deciding to grant credit.  You can google ARD/IDA and you'd know what I am talking about..

[Anonymous]

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@Anonymous wrote:

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@falzool wrote:

So its being looked at by underwriting and well the only thing i seem me getting denied for would be recent inq. I applied for cash+ but I went on a app spree applied for SM,Discover,amex everyday and was approved for them then i applied for usbank if they ask why do I have 3 inq so close together what should I say?

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@Faizool,

Is it possible you are over thinking it?  3 inquiries should not be a problem.. What you should also keep in mind is U.S Bank uses ARS/IDA reports also when deciding to grant credit.  You can google ARD/IDA and you'd know what I am talking about..

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US Bank holds all applications from 7-10 days for a hand review.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@falzool wrote:

So its being looked at by underwriting and well the only thing i seem me getting denied for would be recent inq. I applied for cash+ but I went on a app spree applied for SM,Discover,amex everyday and was approved for them then i applied for usbank if they ask why do I have 3 inq so close together what should I say?

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@Faizool,

Is it possible you are over thinking it?  3 inquiries should not be a problem.. What you should also keep in mind is U.S Bank uses ARS/IDA reports also when deciding to grant credit.  You can google ARD/IDA and you'd know what I am talking about..

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US Bank holds all applications from 7-10 days for a hand review.

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@Anonymous,

Disagree... When I apped for the Flex Perks, it went into review and the underwriter said 2-3 day tops.

[B335is]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@falzool wrote:

So its being looked at by underwriting and well the only thing i seem me getting denied for would be recent inq. I applied for cash+ but I went on a app spree applied for SM,Discover,amex everyday and was approved for them then i applied for usbank if they ask why do I have 3 inq so close together what should I say?

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@Faizool,

Is it possible you are over thinking it?  3 inquiries should not be a problem.. What you should also keep in mind is U.S Bank uses ARS/IDA reports also when deciding to grant credit.  You can google ARD/IDA and you'd know what I am talking about..

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US Bank holds all applications from 7-10 days for a hand review.

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@Anonymous,

Disagree... When I apped for the Flex Perks, it went into review and the underwriter said 2-3 day tops.

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And US Bank doesn't really put all applications through manual review, but far more than other banks.

[Anonymous]

Ok. My bad. Thanks. 

[Anonymous]

+1 unless the report is clean.

[Anonymous]

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@B335is wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@falzool wrote:

So its being looked at by underwriting and well the only thing i seem me getting denied for would be recent inq. I applied for cash+ but I went on a app spree applied for SM,Discover,amex everyday and was approved for them then i applied for usbank if they ask why do I have 3 inq so close together what should I say?

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@Faizool,

Is it possible you are over thinking it?  3 inquiries should not be a problem.. What you should also keep in mind is U.S Bank uses ARS/IDA reports also when deciding to grant credit.  You can google ARD/IDA and you'd know what I am talking about..

---

US Bank holds all applications from 7-10 days for a hand review.

---

@Anonymous,

Disagree... When I apped for the Flex Perks, it went into review and the underwriter said 2-3 day tops.

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And US Bank doesn't really put all applications through manual review, but far more than other banks.

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+1 unless the report is clean.

[falzool]

Well I called them today and underwriting said its waiting to be looked and and completed by my banker. I asked does it look like im going to get approved once my banker confirms  it? The guy said it look good and that i should get approved. I have like 6 inqs in one year but 3 of those where looking for autoloans. Find it strange how my banker would need to approved it before underwriting approves it.