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Thinking of apping for Bilt and Barclays after I lose 4 ex inqs next week. But do the banks check inquires real-time, or not, like a month before.
Yes they check real time; in most cases, they do a fresh HP for a new credit application. Some lenders don't do a fresh pull, and instead use an old SP, which may still include those inquiries that recently fell off (i.e. Amex in most cases, though they have been known to do a HP).