How bad are too many credit inquires? 1 yr after my ch 7 discharge.

[Anonymous]

I had a nfcu 800 secured card, a Barcly 1500, and all my scores in the 580 - 640 range. I had 7 inquires, now I have about 22 of them. I did get a discover with 1200 cl, a navy signature visa with 5k cl, Capone 500cl, Walmart200cl, and a couple of small 500 cl cards. I've read where people apply to certain cards almost every month. why I'm asking about inquires. Thank you.

[CH-7-Mission-Accomplished]

So how many inquiries do you have with each credit bureau?  That's really what matters since most lenders only look at one bureau's report.

That said, you have a great lineup of cards to grow with, so I would chilld out for at least six months and try for a year.

[ashjt2011]

Do they all count as seperate inquries? I bought a car this last year so for example on experian it shows I have 14 inquiries, but when I look at my credit monioring it only counts as 3 because all the 12 from my car count as 1 because they all happened within a short period of time. 

Same with mortgage shopping I believe. 

[Anonymous]

I have about 14 TU, 16 EX and 20 with EQ.

I just got approved

Discover 1200

NFCU Personal Loan 1000 (not sure if I should follow through with loan, I need to send them bank statements) is this an overkill?

Navy Fed Signature Visa 5k

CapOne 500

Milestone 500

Walmart 200

Target 500

Gettington 600

Navy Fed car loan for 15k, but decided to wait until Feb-March to get a newer car.  Current Car is fine.

Had

Barcly 1500

CreditOne 500

FirstPrem 300

Fingerhut 500

NavyFed Secured Visa 800...

Only card with a balance in NavyFed Secured of 600.

My scores as of today, individually pulled from their respective sites...  TU 626, EX 635, EQ 541

Should I apply for a Credit limit increase with Navy Fed card I just got approved?  And or a Check acct line of credit?

I don't even bank with Navy Federal, just 100 bucks in the acct.  I bank with citibank gold acct, which I've had for years.

Thank you for input.

[morgacj2004]

Inquiries stay on the bureau 2yrs but only count against you for the first year. However UW can see all of your inq and may take into consideration excessive apps.

[bstone]

I have somewhere between 60 and 70 inquiries on one bureau and 30 to 40 on the other two, all within the past seven months.

It's a lot, but I figured I'd get my approvals now and then garden for two years, so when I'm ready to make a major purchase I have all the cards I want and no inquiries.

BTW, after about 15 inquiries my scores didn't change at all after that.

[alisadarrick]

Hi - what cards do you have?