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Member
Posts: 30,743
Registered: ‎02-07-2013
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Re: 56 inq

Ilovelisa had 82 INQ's 

Trophy for 1st place 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
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Re: 56 inq

I was thinking, I actually checked all my HPs. I maintain a google doc with all the HPs and some calculations to know how many <6mo, <1yr and >1yr inq I have. and my total inq till today on all 3 CB are not even close to 82.

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Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Frequent Contributor
Posts: 474
Registered: ‎04-09-2012
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Re: 56 inq

I am very ashamed to admit this but I have about 30 on EQ and EX and 18 on TU ranging from the beginning of 2012 until mid-March this year.  I purchased a new vehicle 11 months ago, so about 3-5 inquiries on each report are from that and I purchased a used vehicle about 3 months ago and about 5-8 inquiries on each report are from that.  I am in serious garden mode and do not plan on apping for anything for the remainder of the year. 

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Valued Contributor
Posts: 2,137
Registered: ‎06-16-2012
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Re: 56 inq


kimmiller112 wrote:

I am very ashamed to admit this but I have about 30 on EQ and EX and 18 on TU ranging from the beginning of 2012 until mid-March this year.  I purchased a new vehicle 11 months ago, so about 3-5 inquiries on each report are from that and I purchased a used vehicle about 3 months ago and about 5-8 inquiries on each report are from that.  I am in serious garden mode and do not plan on apping for anything for the remainder of the year. 


dont feel bad, I have 31 on EX, 14 on EQ and 4 on TU. 8 of the 31 from EX are from car shopping in Jan of 2012 and again July 2012. Most of my inquries are from August 2012 and before (didnt know how much inquries could affect your score then). Since August of 2012 i have 4 on EX, 3 on EQ and 3 on TU, im always very thankful for finding this site or i would probably have much more...lol.

gardening since 5/21/2016
Valued Member
Posts: 26
Registered: ‎04-01-2013
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Re: 56 inq

Wow and here I am stressing over 5 inqs. 



Starting Score: 496
Current Score: TU: 739 | EQ: 724 | EX: 738
Goal Score: 780's Across the board


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Established Contributor
Posts: 505
Registered: ‎10-08-2011
0

Re: 56 inq

Well now.

 

Guess I should stop fretting over the 9 inquiries on my reports. You guys put me to shame. Smiley Surprised

      
Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
0

Re: 56 inq


laryn41 wrote:
i have 56 inq on my equifax report most are auto inq. but my eqf score is the highest????????

That's a lot of inquiries...that's why it pays to shop around before actually going to the dealership. Sometimes I think dealers like to screw with our scores by calling as many banks as they know and to hell with how many HP we get...Smiley Frustrated

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Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
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Re: 56 inq


laryn41 wrote:
and why haven't the inq's from 2 years ago drpped off.7/28/05 still there

Those should have dropped off last year...I'd dispute those ASAP.

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Valued Contributor
Posts: 1,599
Registered: ‎11-10-2012
0

Re: 56 inq


laryn41 wrote:
i have 56 inq on my equifax report most are auto inq. but my eqf score is the highest????????

For Pete's sake...I have to start being aware of when these posts are dated! This one is ANCIENT!Smiley Tongue

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Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
0

Re: 56 inq

I wonder who has the record.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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