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hey guys its a bastion from a stubby and today we are going to talk about combining hard inquiries in the different rules for different issuers so we did - a frequently asked questions video a few videos ago so Id recommend watching that one and theres also another one talking about how to actually do it if you are a bit confused about it but today we are going to talk about the issuer specific rules one of the reasons why I decided to split this is just because these rules can change moving forwards so if there is a change its probably going to be pinned down below in a new video the first group of issuers are going to be the ones where you either cannot combine hard inquiries are based off other rules it just doesnt work out that way here we have Barclays city as well as discover so for most of them its either that they dont combine hard enquiries anymore maybe they used to in the past Barclays are based off how the application rules work its just impossible so city as well