@CreditGuy03 wrote:
@red259 wrote:
@Chaselover wrote:A very quick question.
Presently in the garden till 2/1/2015. Planning to make a few applications (maybe around 4) in Feb 2015.
Was new to this and without knowing made quite a few inquiries (about 9) this year. I am stuck with the doubt of whether I should apply for all the 4 credit cards on a single day or should I apply one get an answer completely, then start the next. I understand that if I make all 4 applications at once, then the other 3 centers may not see these credit inquiries right away.
Do you have any thoughts?
That is flat out wrong. The second you app it updates to your credit report. You can app for all cards the same day or do them one at a time. The benefit of the same day is then all your inqs will age together. Sometimes if I am going for a very improtant card to me I will go through all the process before apping for something else. I do this in case the lender pulls another report during the app process. Other than that I do them all the same day.
What if you hit enter on two different computers at the same time?
That's assuming that once you hit submit, lender A will pull your credit at the same time as lender B. It does occur at or near the same time but it is not instaneous.
how many times have you sat in front of the computer while the hourglass was filling up?
@One7 wrote:
@CreditGuy03 wrote:
@red259 wrote:
@Chaselover wrote:A very quick question.
Presently in the garden till 2/1/2015. Planning to make a few applications (maybe around 4) in Feb 2015.
Was new to this and without knowing made quite a few inquiries (about 9) this year. I am stuck with the doubt of whether I should apply for all the 4 credit cards on a single day or should I apply one get an answer completely, then start the next. I understand that if I make all 4 applications at once, then the other 3 centers may not see these credit inquiries right away.
Do you have any thoughts?
That is flat out wrong. The second you app it updates to your credit report. You can app for all cards the same day or do them one at a time. The benefit of the same day is then all your inqs will age together. Sometimes if I am going for a very improtant card to me I will go through all the process before apping for something else. I do this in case the lender pulls another report during the app process. Other than that I do them all the same day.
What if you hit enter on two different computers at the same time?
lol worth an experiment
YMMA..like in most cases. We don't know if HP updates are in real-time or if whether they have 15 min delays or less?
I do know that when calling to unfreeze my reports it requires at least several minutes.
@09Lexie wrote:
@CreditGuy03 wrote:
@red259 wrote:
@Chaselover wrote:A very quick question.
Presently in the garden till 2/1/2015. Planning to make a few applications (maybe around 4) in Feb 2015.
Was new to this and without knowing made quite a few inquiries (about 9) this year. I am stuck with the doubt of whether I should apply for all the 4 credit cards on a single day or should I apply one get an answer completely, then start the next. I understand that if I make all 4 applications at once, then the other 3 centers may not see these credit inquiries right away.
Do you have any thoughts?
That is flat out wrong. The second you app it updates to your credit report. You can app for all cards the same day or do them one at a time. The benefit of the same day is then all your inqs will age together. Sometimes if I am going for a very improtant card to me I will go through all the process before apping for something else. I do this in case the lender pulls another report during the app process. Other than that I do them all the same day.
What if you hit enter on two different computers at the same time?
That's assuming that once you hit submit, lender A will pull your credit at the same time as lender B. It does occur at or near the same time but it is not instaneous.
how many times have you sat in front of the computer while the hourglass was filling up?
Lexi,
You are showing your age! I thought they did away with that hour glass thingy for that circle thingy years ago?
@jamie123 wrote:
@09Lexie wrote:
@CreditGuy03 wrote:
@red259 wrote:
@Chaselover wrote:A very quick question.
Presently in the garden till 2/1/2015. Planning to make a few applications (maybe around 4) in Feb 2015.
Was new to this and without knowing made quite a few inquiries (about 9) this year. I am stuck with the doubt of whether I should apply for all the 4 credit cards on a single day or should I apply one get an answer completely, then start the next. I understand that if I make all 4 applications at once, then the other 3 centers may not see these credit inquiries right away.
Do you have any thoughts?
That is flat out wrong. The second you app it updates to your credit report. You can app for all cards the same day or do them one at a time. The benefit of the same day is then all your inqs will age together. Sometimes if I am going for a very improtant card to me I will go through all the process before apping for something else. I do this in case the lender pulls another report during the app process. Other than that I do them all the same day.
What if you hit enter on two different computers at the same time?
That's assuming that once you hit submit, lender A will pull your credit at the same time as lender B. It does occur at or near the same time but it is not instaneous.
how many times have you sat in front of the computer while the hourglass was filling up?
Lexi,
You are showing your age! I thought they did away with that hour glass thingy for that circle thingy years ago?
