I'm guessing this is only for 1 of the three credit reporting agencies?

I'm wondering if your numbers might be slightly skewed or we're not getting the whole picture as the CC companies don't typically do hard pulls from all 3 agencies.

For instance I applied for UA Chase signature visas on 8/5 and 11/6, both resulting in Chase doing hard pulls ONLY from Experian. The other two credit reporting agencies show no inquiries and no change in credit score as a result.

I've paid myfico.com to get all 3 twice now. It is pricey at $30/pop (with coupon easily findable on google). I'm justifying it so that I can report hard numbers to the FT community after I kick it up a notch and apply for several other rewards cards.