Originally Posted by
sdsearch
It may vary by CC, or by reporting service? I'm basing the "non immediate" on examing my Equifax alerts online*. The inquiries were sometimes as soon as a few days, but more often weeks, implying that they only reported a couple times a month, and it all depended on when within their reporting winodw you applied as to how quickly the inquires post.
(But it's quite possible that the reporting frequency differs by CC, by reporting service, or even for each combination of the two!)
*For a while now, Equifax has had a free alert servcie for PayPal members. Unfortunately, they just sent me an email recently saying they're discontinuing that free alert service at the end of January.
IME the inquiry hits the minute the bank pulls your credit report. If another bank pulls the same bureau five minutes later they will see the inquiry. If you are using an online monitoring service that allows you daily pulls, you can see this within minutes - if you update your report. The alerts seem to run in a batch mode at night and you get an e-mail in a day or two. I've applied for a card and gotten a deffered approval. A few hours later updated my report and the inquiiry was there. The next day updated my report and the new account was there, but the bank still had not notified me directly that I was approved.