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CC Approval With Tons Of Inquiries

Valued Contributor

CC Approval With Tons Of Inquiries

Has anyone ever been approved for a Prime CC with tons of inquires.


Message Edited by mjbfan79 on 07-23-2008 08:11 PM

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Message 1 of 7
6 REPLIES
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Senior Contributor

Re: CC Approval With Tons Of Inquiries

concorduser, amex something on the order of 47
Message 2 of 7
Established Contributor

Re: CC Approval With Tons Of Inquiries

oooh, I am interested in this.
 
I anticipate better scoresin 6 months and will need to either get a 0% card or a barloan.


Starting Score: TU- 682, EQ- 698, EX- 713
Current Score: TU- 723, EQ- 747, EX- 737
Goal Score: 760 PLUS FICO's


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Message 3 of 7
Valued Contributor

Re: CC Approval With Tons Of Inquiries

Inquiries in general are overly feared. You don't want to just mindlessly rack them up, but a few are not going to significantly hurt you, even if on a score analysis you get chided for seeking credit too much.

Even if you overdo, they decay quickly.
- - - -
in a credit-scoring postnuclear Stone Age...
Message 4 of 7
Frequent Contributor

Re: CC Approval With Tons Of Inquiries

When you get a denial letter, and they cite the number of inquiries, isn't it over a period of 6 months or so? I thought I remember a reason being something to the tune of: "TO many inquiries in the last 6 months".

I have around 16 on EQ and TU, but 1 on Exp. I purchased a vehicle in 4-07, and another in 4-08. That is where 12 are coming from.

The reason I am posting this, is even with my situation, I am scared to apply for anything right now. There are 4 CL I would like to app for.
Message 5 of 7
Senior Contributor

Re: CC Approval With Tons Of Inquiries



mjbfan79 wrote:
Has anyone ever been approved for a Prime CC with tons of inquires.


Message Edited by mjbfan79 on 07-23-2008 08:11 PM




I got my Amex Delta SkyMiles card with some 42 inquires on my report. EX of 655 at the time.

I know Citi is known to loathe recent inquiries fwiw.
Here we go again...
Message 6 of 7
Valued Contributor

Re: CC Approval With Tons Of Inquiries

"...47...." and "....42 inquiries..."
 
Sheesh!
And I was bummed out over having 11-7-7.
 
I figured I wouldn't be able to get credit for a couple of years! Of course my scores aren't as great as you people....(sigh).
 
(Not that I need anymore now or plan to get any. I do get 'itchy' in this forum, though!) Smiley Surprised


EQ 847, EX 847, TU 850

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Message 7 of 7