How soon do inquires hit the CRA's

Anonymous · ‎04-03-2008

How soon do the inquires hit EQ, EX and TU?

Is it possible to request another new card immediatey after one approval to get more benefit on BT's to wipe out all high cards?

Do they report immediately? Do I have time. One was approved today.

Was thinking of another quickly to take care of the rest of my CC's and keep util low on cards and at the same time raising util overall.

Any suggestions ?

haulingthescoreup · ‎04-03-2008

They hit the CRA's before you hang up the phone. Literally.

Some members are finding that if they app for another card from the same CCC on the same date, there is either only one inq, or there are two but you're only dinged for one on scoring. Don't know if that happens all the time for every company, though.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

Anonymous · ‎04-03-2008

I applied for a LOC with Patelco, Kemba(TU), and CCCU 2 weeks ago and I still havn't seen 1 inquiry hit my reports. I'm not complaining because they should have hit EX which has 16 inquiries.

Anonymous · ‎04-03-2008

The couple I have got within the past few months have been almost instant. I have the credit watch and I would have an email when I got home from the credit union. The don't mess around. Now for them to update the good info is a different story, don't get me started.