Attn New JPM Select Cardholders

[android01]

Hard Pull inquires are SEVERELY over reacted  to for the most part.  The olny reason they EVER bcome a concern is ifi someone had 8 or 20 or more already,  Which many seem to have here.  One or two inquiries and one or two new accounts is not going to make a signicant difference on your FICO score.  Cetainlly not enough for any credtor to question wheter you are :seeking to much credit:  The only people here who seem to be concerned withi Inquiries  already have to many for credtors  to be comfortable  with.  

[CreditScholar]

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@android01 wrote:

Hard Pull inquires are SEVERELY over reacted  to for the most part.  The olny reason they EVER bcome a concern is ifi someone had 8 or 20 or more already,  Which many seem to have here.  One or two inquiries and one or two new accounts is not going to make a signicant difference on your FICO score.  Cetainlly not enough for any credtor to question wheter you are :seeking to much credit:  The only people here who seem to be concerned withi Inquiries  already have to many for credtors  to be comfortable  with.  

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+1. I agree 100%.

[LIGHTNIN]

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@CS800 wrote:

What information do lenders see on a SP versus a HP?

I suppose a HP is the full report with with score.

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Hi CS800,  Here's a thread I found for you. It may answer, some of your questions about SP's vs HP's.

http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/HP-versus-SP/td-p/1236001