Yet another 5/24 Question

[Anonymous]

Hey Guys,

I was wondering if anyone knew why Chase would pull 2 reports if the first was over 5/24? In my case, I'm at the 5/24 threshold, app'd for the FU 1/24/17. Got a myFico alert saying there was a new inquiry on my EX for 1/24 and today a new alert of an inquiry on EQ. I got the "7-10 days" message when I called the automated line....

Sorry if this has been asked before, but I wasn't able to come up with much from searching.

[fltireguy]

Chase has been known to double pull.... It's nothing new for them at all

[AverageJoesCredit]

+1 fltireguy, the ubiquitous double pull

[Anonymous]

I would figure both pulls happen about at the same time?! Not necessarily pulling one, looking, then pulling another

[Anonymous]

With the 5/24 "rule" (more of a guideline since many have been approved with 10/24+) does the 5 mean no more than or less than?  What I mean is can you already be at 5/24 when you apply, or is it recommended that you be at 4/24 when you apply?

[Anonymous]

"What I mean is can you already be at 5/24 when you apply, or is it recommended that you be at 4/24 when you apply"

I've always wondered that also. ..

[Anonymous]

The rule is 5 or more, as I've witnessed.

Not "more than 5".

[Anonymous]

Chase pulled both EQ and EX for each of my cards with them.  

[Anonymous]

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@Anonymous wrote:

Chase pulled both EQ and EX for each of my cards with them.  

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I read somewhere that Chase uses some "internal scoring model" - does anyone have any feedback on this?  Obviously they still pull from a bureau or bureaus, but is that data put into something unique to Chase that yields a score that may be different than what we would expect them to see?

[Meanmchine]

I dont mind a double pull but what is concerning is when you are on their Blacklist and they supposidly still double pull you Thats the only reason I havnt apped with

Chase I wuld hate ti appa d get dowble pull just ti be bkacklisted