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65 inquires on equifax and experian, 18 on transunion

Frequent Contributor

65 inquires on equifax and experian, 18 on transunion

already have 7 credit cards.

chase freedon- 4k 

barclay apple financing- 1k

capital one no hassle rewards-500

capital one platinum-300

orchardbank-400

credit one-300 (just applyed and got this, high annual fee)

Chase BP-170

 

really want an amex, but have alot on inquires on credit beuros from auto loan wich I did not even open yet, cant find a decent intrest rate because of prior lates on last two loans.

 

65+ inquires on exqufax and experian all from auto dealerships, maybe 8 from cc

 

What would you reccoment I do, for both the auto loan, and obtaining an AMEX

 

TU-680-fico

Exuifax-617-fico

Experial-650(VANTAAGE SCORE)

Message 1 of 52
51 REPLIES
Established Contributor

Re: 65 inquires on equifax and experian, 18 on transunion


creditwatcher2012 wrote:

already have 7 credit cards.

chase freedon- 4k 

barclay apple financing- 1k

capital one no hassle rewards-500

capital one platinum-300

orchardbank-400

credit one-300 (just applyed and got this, high annual fee)

Chase BP-170

 

really want an amex, but have alot on inquires on credit beuros from auto loan wich I did not even open yet, cant find a decent intrest rate because of prior lates on last two loans.

 

65+ inquires on exqufax and experian all from auto dealerships, maybe 8 from cc

 

What would you reccoment I do, for both the auto loan, and obtaining an AMEX

 

TU-680-fico

Exuifax-617-fico

Experial-650(VANTAAGE SCORE)


Since Amex is inquiry sensitive and it is not possible to bump inquiries off on EX wait 1 year DO NOT APP FOR ANTHING pay your bills on time then apply.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 2 of 52
Frequent Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

alright thanks thats what im going to try to do, but im still in the process of trying to obtain a good intrest auto loan, but their is no way to get inquires off since they were all for auto loans??.... and the credit cards I do have now are they any good? thanks 

Message 3 of 52
Frequent Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

Everything about this is a hot mess.


Starting Score: 617 EQ 10-17-11
Current Score: EQ 767 TU 769 EX 749 (all FICO but who really knows?)
Goal Score: 800


Take the FICO Fitness Challenge
Message 4 of 52
Established Contributor

Re: 65 inquires on equifax and experian, 18 on transunion


creditwatcher2012 wrote:

already have 7 credit cards.

 

chase freedon- 4k Excellent

barclay apple financing- 1k ok

capital one no hassle rewards-500 ok

capital one platinum-300

orchardbank-400 ok

credit one-300 (just applyed and got this, high annual fee)

Chase BP-170

 


 btw I didn't even realize there was 65 lenders for auto lol, how long of a period did you apply for car loan inbetween?


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 5 of 52
Frequent Contributor

Re: 65 inquires on equifax and experian, 18 on transunion


creditwatcher2012 wrote:

alright thanks thats what im going to try to do, but im still in the process of trying to obtain a good intrest auto loan, but their is no way to get inquires off since they were all for auto loans??.... and the credit cards I do have now are they any good? thanks 


 

No it's not possible. Just let them age and fall off in due time. Trying to open new credit cards isn't gonna help your auto loan either. 

Message 6 of 52
Frequent Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

i dont know how I racked up so many inquires delerships just kept on running my credit looking for the best intrest rate i guess

Message 7 of 52
Established Contributor

Re: 65 inquires on equifax and experian, 18 on transunion


creditwatcher2012 wrote:

i dont know how I racked up so many inquires delerships just kept on running my credit looking for the best intrest rate i guess


within how long of a period?

 

 

Also... 

TU-680-fico

Exuifax-617-fico

Experial-650(VANTAAGE SCORE)

 

Are you on a cellphone? Cause Equifax, and Experian are spelled wrong, and vantaage.

 

Regardless with those scores your going to get a terrible auto loan even if you qualify 12-17% at best. If you get 12 % in a 5 year loan you would be paying 160%  of the car's value. So $10,000 car would be paid in full for $16,000 worth of monthly payments in 60months.

 

Best chance for you to get Financing is through the Ford Dealerships since they own their own financing departments they'll even approve Financing for people who filed bankruptcy the same day it posts.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 8 of 52
Frequent Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

How did you get a $4K Chase Freedom with such low limits on all your other accounts. Are you a authorized user on that account?

Message 9 of 52
Frequent Contributor

Re: 65 inquires on equifax and experian, 18 on transunion

well i started looking at acuras in june, and they only offered me 18% but ran my credit like 8x, and i was at bmw they ran my credit another 5 times, etc,,etc i finally got a good approval from infiniti but how it expired................it was from june-to present...

 

i was at about 10 delerships thou

Message 10 of 52