It could be anything, or nothing at all. There really is no way of knowing.
@Anonymous wrote:
@takeshi74 wrote:As stated above, we have no idea. The soft pulls don't tell us why.
Curiious: Some time ago I was reviewing what I thought was my SP's on the reporting site itself (do not recall if it was TU, EX, or EQ) and I could have sworn it showed all the SP's and reason codes (like FR showed under Wells Fargo once a year on mine which was financial review).
Anyone else?
You're thinking Equifax or Transunion on that one, where they break it up into Account Review and Promotional and a couple other less common ones IIRC.
Donny is correct Experian doesn't break them out specifically but if you look closer than is probably worthwhile (might go blind) can notice several different names for Chase and some are pre-qual and some are AR but I don't recall which are which specifically at the moment. Doesn't really matter in the long run, lender is as lender does. I wouldn't worry about it, two SP's in close succession may have meant a human took a look at it but if you're accounts aren't closed or on hold by now you're likely in the clear anyway almost assuredly as it doesn't take them that long to make a determination on that.
