Chase app question, no inquiry

[Klesko]

So applied for chase yesterday and got the 30 day message, I checked my reports today and there is no inquiry from them on my reports. 

My EQ was frozen at the time but I thought they pulled ex anyway. 

I was borderline 5/24 so did not want to call in if I could help it. 

[driftless]

They pull EQ for me.

[Klesko]

Interesting, thanks guess I will need to call them. I un froze eq later in the day for Citi which interesting pulled EQ and EX. 

[Anonymous]

Which reports did you check to see if an inquiry was done?  One undoubtedly will show up eventually

[driftless]

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@Klesko wrote:

I was borderline 5/24 so did not want to call in if I could help it. 

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How can you be borderline 5/24?

[Klesko]

Checked all 3, but like I said my eq was frozen at the time so if they tried to pull that then it would make sense as to why I dont see it. 

[Klesko]

Called and indeed they tried to pull EQ. I went ahead and let them pull it since its unfrozen and was denied due to too many inuqries and a 6.5 year old CO account. 

I plan to reapply once the old CO comes off. 

[takeshi74]

Keep in mind that too many inquiries is always too many inquiries for your credit profile.  Derogs tend to have significant impact so without the CO the inquiries might have less impact.  If you have any other derogs then hit Rebuilding and carefully research to see if there's anything you can do to address them versus just waiting for them to fall off.  You want totally clean reports and 100% postiive Payment History.

[Klesko]

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@takeshi74 wrote:

Keep in mind that too many inquiries is always too many inquiries for your credit profile.  Derogs tend to have significant impact so without the CO the inquiries might have less impact.  If you have any other derogs then hit Rebuilding and carefully research to see if there's anything you can do to address them versus just waiting for them to fall off.  You want totally clean reports and 100% postiive Payment History.

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Of course you want everything clean. I just got approved with citi yesterday using my EQ report so thought chase would at least be a fighting chance. I do have 36 EQ inquiries, only 4 in last 12 months, and 28 were from car shopping almost 20 months ago now. The CO is set to fall off in Jan so my plan is to just wait until it falls off and then my report will be 100% clean.