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Is US Bank inquiry sensitive? :O

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Anonymous
Not applicable

Re: Is US Bank inquiry sensitive? :O

I had 4inq in the last 6 months and i apply in january and march

Message 11 of 83
enharu
Super Contributor

Re: Is US Bank inquiry sensitive? :O

Were they all for credit apps? How many inquiries did you have in total for past 12 months, and how many in past 24 months? Thanks for sharing! I probably will wait then haha
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 12 of 83
Anonymous
Not applicable

Re: Is US Bank inquiry sensitive? :O

I had 5 in 12 months and 8 in 24

Message 13 of 83
Anonymous
Not applicable

Re: Is US Bank inquiry sensitive? :O

3 of them were for autoloan

Message 14 of 83
enharu
Super Contributor

Re: Is US Bank inquiry sensitive? :O

Was the auto loan responsible for the 5 in the past 12? Sorry for asking so many questions haha.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 15 of 83
enharu
Super Contributor

Re: Is US Bank inquiry sensitive? :O

Did they cite no. Of inquiries as main reason for denial? Do u mind sharing more about your profile as well if that's ok. Thanks a lot! I most probably will just wait
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 16 of 83
Anonymous
Not applicable

Re: Is US Bank inquiry sensitive? :O

The auto play no role on the denial and they just stated to many inquiries in the last 12 months

Message 17 of 83
09Lexie
Moderator Emerita

Re: Is US Bank inquiry sensitive? :O

@ moneyinthebank

Maybe you should let them know about your recent success with Amex. Since you can't apply for another 90 days- see if they will accept a recon with an updated CR?
Message 18 of 83
Anonymous
Not applicable

Re: Is US Bank inquiry sensitive? :O

They check Equifax

Message 19 of 83
enharu
Super Contributor

Re: Is US Bank inquiry sensitive? :O

Ok I'm pretty sure I'm going to get flat out rejected then. I have 8 or 9 on my ex in the past 12 months and they pull Ex in cali
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 20 of 83
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