Do Chase recon agents see real-time Experian updates or cached reports? (Inquiry removal timing DP)

Trying to understand how Chase pulls/uses credit reports during reconsideration calls.

Situation:

- Had 3 recent unauthorized Experian inquiries removed 6 hours ago

- Called Chase recon right now

- Still got denied citing:

- “too many recent requests / reviews of credit”

- “not enough credit information”

Now I’m wondering:

Does Chase actually pull a real-time Experian report during recon calls,

or do they rely on:

- previously pulled reports

- cached/internal snapshots

- or soft pulls from earlier in the process?

Because if they saw the updated report, the inquiry count should’ve been much lower.

More context (if helpful):

- This was a reinstatement attempt after a prior shutdown

- No new credit cards opened recently

- Only change was inquiry removal on Experian before the call

Posted Apr 9, 2026, 9:25 PM UTC

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