Suspicious: even without ITIN reporting to Equifax is done · Cloud Residents

Suspicious: even without ITIN reporting to Equifax is done

Just tried to access Equifax and myFico since the first statement of my Amex Blue Cash Everday was released. I was able to register and access my credit score at Equifax of 695 and at myFico 698.

When taking a deeper dive into details it actually says length of credit history is 7 months. Quite unsure about what happened there, since ITIN is just 3 months old? So the oldest account on file is Bank of America, which I opened indeed 2025, but without an ITIN.

Called the hotline afterwards, and the system doesn't recognise my ITIN for verification purposes (first hint). So after talking with an agent he can confirm that there is no ITIN on my Bank of America credit card and I have to go to the branch to add the ITIN. Still, the card is reporting to Equifax somehow, also the historical data from opening until now is provided by the bureaus.

The first statement from Amex is also already seeable at the bureaus.

Interesting for me: If I check the inquiries, there is just one inquire from Capital One. It was the Platinum, which was shut down a few days after. So my question now: I still have three new accounts on file, but just one hard pull. What will Chase say regarding the current 5/24 rule? Will it be the fourth or second hard inquriry for them?

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