Thanks ctbarron that sounds encouraging!! So it sounds like they are only looking at recent inquiries on the report they pull right?

My Last small churn was October 28. All inquiries over the last year with the exception of USairways have hit experian/equifax.

do you all think it would be safe to apply out of cycle because it's a TU pull, or best to just wait until the next churn?

Thanks for the help!