topic How many inquiries do you have??? in Rebuilding Your Credit

How many inquiries do you have???

Give_Me_Credit_Please — Sat, 05 Jan 2013 00:18:05 GMT

I've been on an app spree ever since my credit have improved. From 422 back in February 2012 to now 618. I have about 33 inquiries and about 20 of them within the month of December. I'm feeling really bad and guilty now and I know it's gonna be 2 years till they fall off. After reading this forum and the success stories, I'm compelled to built my credit and "NO MORE APPS" for me for awhile. How many inquiries do you have?? Maybe if some of you have almost as much, I'll feel a little better.

Re: How many inquiries do you have???

starry1 — Sat, 05 Jan 2013 00:27:53 GMT

9 on TU, 3 each on EX/EQ.

Re: How many inquiries do you have???

fishbjc — Sat, 05 Jan 2013 00:30:16 GMT

one on tu, and two on eq.

dh has one total.

Re: How many inquiries do you have???

QAMngrGirl — Sat, 05 Jan 2013 01:20:27 GMT

8 on all 3

Re: How many inquiries do you have???

Shogun — Sat, 05 Jan 2013 02:38:17 GMT

3 across the board

Re: How many inquiries do you have???

llecs — Sat, 05 Jan 2013 02:45:21 GMT

Should be 1 only at 10 month, on EQ. Had herds more than that at one point.

Re: How many inquiries do you have???

dodgerslv — Sat, 05 Jan 2013 03:04:52 GMT

Give_Me_Credit_Please wrote:
I've been on an app spree ever since my credit have improved. From 422 back in February 2012 to now 618. I have about 33 inquiries and about 20 of them within the month of December. I'm feeling really bad and guilty now and I know it's gonna be 2 years till they fall off. After reading this forum and the success stories, I'm compelled to built my credit and "NO MORE APPS" for me for awhile. How many inquiries do you have?? Maybe if some of you have almost as much, I'll feel a little better.

Dont feel bad cuz i did the same mistake a few months ago...saw that my credit improved and thought i would just try and apply for every credit card out there (bad decision). I have 5 on TU, 18 on EX and 11 on EQ. My last application was 10/10/12 (1 on TU) before that was 8/12/12 and thats when i applied for quite a few credit cards (10 in total that month). I did however tried to get an auto loan in Jan.2012 (no success) and then again July 2012 (success there). So about 10 of those total inquries are from auto banks. Just be patient and garden for at least 6 months or even better a year.

Re: How many inquiries do you have???

starry1 — Sat, 05 Jan 2013 03:20:33 GMT

I really wish they'd quit dinging my TU (those are all auto loan inquiries except for two). And I'm in the west, so it doesn't make sense why TU is the go-to CRA. I wish I could find someone guaranteed to pull EX, I'd willingly get denied just so I can see my real score.

Re: How many inquiries do you have???

Give_Me_Credit_Please — Sat, 05 Jan 2013 03:24:32 GMT

Thank you for that, I really appreciate the vote of confident. I guess it comes to a certain point where I felt confident and went on an app binge. Well this year definitely no more apps. for awhile. I alreay have what I need to rebuilt. A secured Cap1 for about 1yr now, unsecured Orchard for about 2.5yr, just got a Walmart, Target and Wells Fargo secured so I think that's enough for now. As guess as my credit gets stronger, I'll be more conservative on the card choice that I apply for. I'm also looking at an auto loan as well. Oh no....more inquiries!!!

Re: How many inquiries do you have???

dodgerslv — Sat, 05 Jan 2013 03:33:35 GMT

starry1 wrote:
I really wish they'd quit dinging my TU (those are all auto loan inquiries except for two). And I'm in the west, so it doesn't make sense why TU is the go-to CRA. I wish I could find someone guaranteed to pull EX, I'd willingly get denied just so I can see my real score.

well looking at your scores i would assume your EX score is along the lines with the other two. Chances are you will most likely get denied for a prime card at the moment so i wouldnt take my chances going that route. American Express is known to pull EX on the west coast (Im in nevada and thats what they pulled and when by that score when i recieved the denial letter) My EX fico score according to them was 675 at that time. Just garden and take care of the credit cards you have now.

Re: How many inquiries do you have???

dodgerslv — Sat, 05 Jan 2013 03:36:20 GMT

Give_Me_Credit_Please wrote:
Thank you for that, I really appreciate the vote of confident. I guess it comes to a certain point where I felt confident and went on an app binge. Well this year definitely no more apps. for awhile. I alreay have what I need to rebuilt. A secured Cap1 for about 1yr now, unsecured Orchard for about 2.5yr, just got a Walmart, Target and Wells Fargo secured so I think that's enough for now. As guess as my credit gets stronger, I'll be more conservative on the card choice that I apply for. I'm also looking at an auto loan as well. Oh no....more inquiries!!!

Just take care of the credit cards you have now. Walmart is known to be generous with CLI (and they are always soft pulls unless you request a HP). I also have a WF secured card for a year now and i just kept increasing the limit and not too long ago they gave me an auto CLI without having to send them money. Capital One and Target card are stingy when it comes to CLI so just keep using them and paying in full if you can.

Re: How many inquiries do you have???

Repo-ed — Sat, 05 Jan 2013 03:46:43 GMT

I stopped keeping track

Re: How many inquiries do you have???

Give_Me_Credit_Please — Sat, 05 Jan 2013 04:26:00 GMT

Thank you for that.

Re: How many inquiries do you have???

loviedovie — Sat, 05 Jan 2013 08:13:05 GMT

Give_Me_Credit-

I have read somewhere in these forums that you can get inquiries removed from your credit reports. Have you read anything about this? Might be something to look into. Sounds like it could help you.

Re: How many inquiries do you have???

visorboy1974 — Sat, 05 Jan 2013 10:48:25 GMT

EQ 0, TU 2, EX 10

Re: How many inquiries do you have???

CasperJack14 — Sat, 05 Jan 2013 15:12:37 GMT

I have about ten from April 2012 and 5 from July 2012. But all but one of those were clusters for applying for an auto loan in April and then in July again. I think those each count as one for fico scoring?

Re: How many inquiries do you have???

MovingForward_2012 — Sat, 05 Jan 2013 17:25:20 GMT

I have 4-5 between July through December. I am going to get another one soon as I had to switch lenders for a mortgage we are closing on mid Feb to get additional incentives from builder. The inquiries are mixture of auto, CCs, and mortgage. Got approval for all apps. I will be gardening after I close.