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Combining inquiries from the same bank in one day?
I apologize if this is part of the collective wisdom - I've done some searching and couldn't come up with an answer except for Citi. I thought I had seen a couple of allusions to the fact that credit bureaus combined multiple inquiries from the same bank in a single day into one reported inquiry. For example, I could apply for two Barclays cards in a single day and, provided the same bureau was pulled, it would only show up as a single inquiry. Is this at all true?
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Originally Posted by nicad2000
(Post 17335033)
I apologize if this is part of the collective wisdom - I've done some searching and couldn't come up with an answer except for Citi. I thought I had seen a couple of allusions to the fact that credit bureaus combined multiple inquiries from the same bank in a single day into one reported inquiry. For example, I could apply for two Barclays cards in a single day and, provided the same bureau was pulled, it would only show up as a single inquiry. Is this at all true?
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Originally Posted by nicad2000
(Post 17335033)
I apologize if this is part of the collective wisdom - I've done some searching and couldn't come up with an answer except for Citi. I thought I had seen a couple of allusions to the fact that credit bureaus combined multiple inquiries from the same bank in a single day into one reported inquiry. For example, I could apply for two Barclays cards in a single day and, provided the same bureau was pulled, it would only show up as a single inquiry. Is this at all true?
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Originally Posted by jjmiller69
(Post 17335909)
Correct the Credit bureaus normally connect any from the same bank on the same day. Different days = seperate pulls. Like bitachu said most don't like multiple apps. Welcome to Ft and good luck. ;)
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Originally Posted by TheManofaThousandPlaces
(Post 17336285)
Amex doesn't seem to have a problem with it.
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Originally Posted by PNH_Flyer
(Post 17337516)
That's my experience as well. I applied for 3 AMEX cards (Plat, SPG Biz, RPG) and 3 BOA cards (HI Airlines, AK Airlines, WorldPoints) on the same day in early August. I was approved for all 6 (with accompanying bonuses) and my credit reports showed them as two inquiries.
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I know 2 citi personal cards on the same day count as only 1 inquiry.
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