was discussed before couldn't find it. would a apply by phone + hitting submit on a app online be OK for one pull only ?
UPDATE: applied over the phone and online [2 hrs apart] received only 1 pull
IMHO if you make one app say,@ 1:00 am EST and the other one @ 3:00 am EST it might result in 2 pulls coz the person over the phone could be receiving your call from CA,WN, or even INDIA where its still a day behind while your online app probably comes in the @ your local time zone resulting in a separate pull for each day.
so it makes sense to do it say, in the morning EST so your basically covered wherever the person on the phone is located