USAA CR Inquiries

[jdmc1973]

I was approved last week for the Rate Advantage card and was going to try for the AMEX but didn't want another inquiry on EQ since it took so long for me to B* the 28 I had on there off. So, I called them this morning to ask and the guy said any new app would result in another hard inquiry and they couldn't use the pull from last week.

 

Has anyone been able to get them to use a recent pull for a new app instead of pulling EQ again?

[Matti]

Had you done the Amex on the same day, the inquiries would've merged into one.

[jdmc1973]

Had you done the Amex on the same day, the inquiries would've merged into one.

Curses!

[shifter]

Had you done the Amex on the same day, the inquiries would've merged into one.

Not necessarily. I've gotten 2 inqs from one bank on EQ on the same day.

[Cappy]

 

Had you done the Amex on the same day, the inquiries would've merged into one.

Not necessarily. I've gotten 2 inqs from one bank on EQ on the same day.

We're they listed as the same name on your cr? Or was their a slight diff. I had citibank/na and then I had just plain citibank

[nysbadmk8]

28 inquiries... Truck it.. why are you shy now?

[Matti]

 

Had you done the Amex on the same day, the inquiries would've merged into one.

Not necessarily. I've gotten 2 inqs from one bank on EQ on the same day.

 

 

USAA, specifically? And for the MC/Amex combo?

 

ETA: I did apps for my partner, sister, brother in law, mother and father. Did a MC and then Amex. All inqs were merged into one, for all 5 people. I'm posting based off of personal experience. YMMV, of course.

Edited July 10, 2014 by Matti

[cv91915]

28 inquiries... Truck it.. why are you shy now?

 

[shifter]

USAA, specifically? And for the MC/Amex combo?

USAA, yes, but not the MC/Amex combo. Auto loan + CC on same day.

[jdmc1973]

28 inquiries... Truck it.. why are you shy now?

 

LOL...I'm getting obsessed with having my INQ at 0. Since I'm currently not on the C* list for EQ and it took since April to get them down to 1, I was trying to avoid having any more than necessary. I had 1 INQ when I applied, then apped for a CLI on NFCU CLOC, approved for both of those, Discover It, declined for that due to my 7yo BK7, so I have 4 now and trying to get it back to 0.

[nysbadmk8]

 

28 inquiries... Truck it.. why are you shy now?

LOL...I'm getting obsessed with having my INQ at 0. Since I'm currently not on the C* list for EQ and it took since April to get them down to 1, I was trying to avoid having any more than necessary. I had 1 INQ when I applied, then apped for a CLI on NFCU CLOC, approved for both of those, Discover It, declined for that due to my 7yo BK7, so I have 4 now and trying to get it back to 0.

Anything under 10 won't hurt you unless your obsessed with 10 points.