Originally Posted by
prech
Yes, business and personal HPs do not combine. Lots and lots of DPs from r/churning confirming this. Although it's the credit bureau combining things, for some reason, they do not appear to be doing this for biz/personal apps.
At some banks, personal pulls and business pulls come from different enough "divisions" (I don't know if that's the correct word) that they look "different enough" to the credit bureau that they can tell they couldn't possibly be duplicates.
The
only reason that credit bureaus combine pulls is if they can't be sure if two pulls that came from the exact same place on the exact same day aren't duplicates.
But at several banks (apparently including Chase, based on what you wrote), business pulls come to credit bureaus sufficiently labeled as "from a different place" than personal pulls to never be considered possible duplicates and thus never to be combined. While at some other banks, the way the bureaus see personal and business pulls as identical, and in those cases, personal and business pulls on the same day might be combined by the bureau.
Ie, it's not that the bank labels the pull as personal or business per se. It's just that the bureau sees a personal pull as coming from "LastBank Credit Services" or whatever and sees a business pull as coming from "LastBank Small Business Services" or whatever. So it depends on how the bank is structured.