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Contributor
Posts: 142
Registered: ‎12-25-2015

Inquiry Insensitive Lenders

[ Edited ]

I find these lenders to be inquiry and new account insensitive. State Farm Bank (pulls TU), Navy Federal (pulls TU, Efx and Exp (AR's), BMO Harris Bank, Discover Card (pulls TU, Efx, Exp), Blispay (Exp), Final (getfinal.com pulls Exp), Amex (pulls Exp), Synchrony Bank (pulls TU).

 

That being said those lenders which are inquiry sensitive are Citibank, Barclays Bank, FNBO, Wells Fargo, Bank of America, TD Bank, Capital One (now for credit line increases and perhaps for new accounts), Nordstrom Bank (more than 3 in 6 months gets you a denial). Dillards is bad too since they are Wells Fargo issued. 

 

This is all based on personal experience and posts from members of myfico forum and creditboards.com. 

 

Hope this helps some of you. 

Community Leader
Super Contributor
Posts: 14,732
Registered: ‎11-11-2014

Re: Inquiry Insensitive Lenders

Thanks for sharing...

Valued Contributor
Posts: 1,284
Registered: ‎01-19-2015

Re: Inquiry Insensitive Lenders

Thanks!! Good post.......Smiley Happy

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FICO 8 Scores EX 722(15) EQ 688(17)TU 717(18) AAOA 3.0yrs TCL=179,950
Senior Contributor
Posts: 8,938
Registered: ‎04-23-2016

Re: Inquiry Insensitive Lenders

Looks like its time for Citi, Sir Barclays, FNBO, Wells, Boa Td, and Cap One to attend the Credit Sensitivity Seminar of 2017, presented by Tostitos and American ExpressSmiley Wink
New Contributor
Posts: 72
Registered: ‎03-05-2017
0 Kudos

Re: Inquiry Insensitive Lenders

I disagree about Nordstrom.. I had 14 inquiries on Experian when they approved me. And 8 accounts opened in last 12months. They were awesome to me

Current Scores: EX 637, EQ 634, TU 611 (June 2017, 4 Chargeoffs reporting)
Starting Scores: EX 445, EQ 456, TU 512 (September 2014, 11 Chargeoffs reporting)

Established Contributor
Posts: 775
Registered: ‎08-31-2016

Re: Inquiry Insensitive Lenders


jtw34240 wrote:

I find these lenders to be inquiry and new account insensitive. State Farm Bank (pulls TU), Navy Federal (pulls TU, Efx and Exp (AR's), BMO Harris Bank, Discover Card (pulls TU, Efx, Exp), Blispay (Exp), Final (getfinal.com pulls Exp), Amex (pulls Exp), Synchrony Bank (pulls TU).

 

That being said those lenders which are inquiry sensitive are Citibank, Barclays Bank, FNBO, Wells Fargo, Bank of America, TD Bank, Capital One (now for credit line increases and perhaps for new accounts), Nordstrom Bank (more than 3 in 6 months gets you a denial). Dillards is bad too since they are Wells Fargo issued. 

 

This is all based on personal experience and posts from members of myfico forum and creditboards.com. 

 

Hope this helps some of you. 


I disagree with the Nordstroms, I had well over 3 inquiries in 6 months and was approved for the card. I've also gotten CLI's since I received it. Not sure about the others, I only have a Wells Fargo and I have had that for years.

 

AJC- Seriously spit out my seltzer water reading brought to you by Tostitos and American Express (and by spit out I mean I laughed and spit it on my cat who was laying on my legs unsuspecting of what was to come). Thank you for that!






Daily Drivers- Amex Green/BCE
Valued Contributor
Posts: 1,151
Registered: ‎01-24-2016

Re: Inquiry Insensitive Lenders


jtw34240 wrote:

I find these lenders to be inquiry and new account insensitive. State Farm Bank (pulls TU), Navy Federal (pulls TU, Efx and Exp (AR's), BMO Harris Bank, Discover Card (pulls TU, Efx, Exp), Blispay (Exp), Final (getfinal.com pulls Exp), Amex (pulls Exp), Synchrony Bank (pulls TU).

 

That being said those lenders which are inquiry sensitive are Citibank, Barclays Bank, FNBO, Wells Fargo, Bank of America, TD Bank, Capital One (now for credit line increases and perhaps for new accounts), Nordstrom Bank (more than 3 in 6 months gets you a denial). Dillards is bad too since they are Wells Fargo issued. 

 

This is all based on personal experience and posts from members of myfico forum and creditboards.com. 

 

Hope this helps some of you. 


I second the Final card, I got approved for $5k and I have 72 Inqs on there and loads of new accounts. Hoping they will waive the AF the second year for people that actually use the card. I disagree with Discover though, its probably that they just dislike me but they have turned me down twice despite my scores being pretty good. I also got in with Cap One albeit for $500 and I had lots of inqs and accts. 


EX: 745 TU: 753 EQ: 720
Valued Contributor
Posts: 1,151
Registered: ‎01-24-2016
0 Kudos

Re: Inquiry Insensitive Lenders


tydawg wrote:

jtw34240 wrote:

I find these lenders to be inquiry and new account insensitive. State Farm Bank (pulls TU), Navy Federal (pulls TU, Efx and Exp (AR's), BMO Harris Bank, Discover Card (pulls TU, Efx, Exp), Blispay (Exp), Final (getfinal.com pulls Exp), Amex (pulls Exp), Synchrony Bank (pulls TU).

 

That being said those lenders which are inquiry sensitive are Citibank, Barclays Bank, FNBO, Wells Fargo, Bank of America, TD Bank, Capital One (now for credit line increases and perhaps for new accounts), Nordstrom Bank (more than 3 in 6 months gets you a denial). Dillards is bad too since they are Wells Fargo issued. 

 

This is all based on personal experience and posts from members of myfico forum and creditboards.com. 

 

Hope this helps some of you. 


I second the Final card, I got approved for $5k and I have 72 Inqs on there and loads of new accounts. Hoping they will waive the AF the second year for people that actually use the card. I disagree with Discover though, its probably that they just dislike me but they have turned me down twice despite my scores being pretty good. I also got in with Cap One albeit for $500 and I had lots of inqs and accts. 


Update, just got an email that Final will not be charging any AF anymore for new and existing accounts! Wooh. 


EX: 745 TU: 753 EQ: 720
Senior Contributor
Posts: 8,938
Registered: ‎04-23-2016

Re: Inquiry Insensitive Lenders

1st Tydawg, 72 inquirie, holy cat litter BatmanSmiley Wink. I serioudly hope those are from buying a carSmiley Wink

Smc, if you want a good laugh , read the last couple pages of the Garden club, tcbofade really put me in my place, and a hint, it isnt at AceSmiley Wink
Established Contributor
Posts: 1,727
Registered: ‎03-28-2017

Re: Inquiry Insensitive Lenders

I don't think this data is strong because there are scorecards and those scorecards will lessen the impact of many inquiries the higher up you go.

 

There are a lot of people with dozens of inquiries but high scores who get approved for everything, while someone with very low scores by 6 inquiries might get told "too many inquiries" from the BS FICO reasoning scores that they make up willy nilly.

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