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Valued Contributor
myjourney
Posts: 23,612
Registered: ‎02-07-2013

Re: 56 inq

Ilovelisa had 82 INQ's 

Trophy for 1st place 

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011

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
kimmiller112
Posts: 463
Registered: ‎04-09-2012

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. 

10/13/13: TU 695, EQ 683, EX 716, USAA FAKO 728 for all 3 - Goal: 760
Closed on house 10/18/13
Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - B of A 123 $7500 - Chase Saphire Preferred $5000 - Discover It $5000 - Barclays Sallie May $4000 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $1000-$7600
Valued Contributor
dodgerslv
Posts: 1,464
Registered: ‎06-16-2012

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.

last app: 4/14/14---Barclays US Airways (10k)---US Bank Flex Travel Rewards (7.5K)---no more applications till September (Amex Delta)

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Established Member
calebwshn
Posts: 23
Registered: ‎04-01-2013

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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Frequent Contributor
Stralem
Posts: 304
Registered: ‎10-08-2011

Re: 56 inq

Well now.

 

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

            
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Valued Contributor
indiolatino61
Posts: 1,429
Registered: ‎11-10-2012

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...:smileyfrustrated:

 photo Logo-CreditCardCollection_zps2f177769.jpgWmart (TU): 802, Disc it (TU): 802, CKarma (TU): 767, AmEx (EX): 755, CSesame (EX): 710, Quizz (EQ): 778, myFICO (EQ): 770.
Oldest: AmEx: 26Y-2M, AAoA: 6Y-1M, Utl: 0.81%, 12/24 Inq: 5/15, Income: $99k, Garden: 03/30/2014. Updated 04/10/2014.
Valued Contributor
indiolatino61
Posts: 1,429
Registered: ‎11-10-2012

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.

 photo Logo-CreditCardCollection_zps2f177769.jpgWmart (TU): 802, Disc it (TU): 802, CKarma (TU): 767, AmEx (EX): 755, CSesame (EX): 710, Quizz (EQ): 778, myFICO (EQ): 770.
Oldest: AmEx: 26Y-2M, AAoA: 6Y-1M, Utl: 0.81%, 12/24 Inq: 5/15, Income: $99k, Garden: 03/30/2014. Updated 04/10/2014.
Valued Contributor
indiolatino61
Posts: 1,429
Registered: ‎11-10-2012

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!:smileytongue:

 photo Logo-CreditCardCollection_zps2f177769.jpgWmart (TU): 802, Disc it (TU): 802, CKarma (TU): 767, AmEx (EX): 755, CSesame (EX): 710, Quizz (EQ): 778, myFICO (EQ): 770.
Oldest: AmEx: 26Y-2M, AAoA: 6Y-1M, Utl: 0.81%, 12/24 Inq: 5/15, Income: $99k, Garden: 03/30/2014. Updated 04/10/2014.
Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: 56 inq

I wonder who has the record.


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


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