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he only has 5 in the last year, you have 5 in the last 15 minutes!
ashabbir1 wrote:lol you have 24 inquiries and I have less than half of that now I feel better
OBXFrank wrote:
Hey y'all,I've got a question that may not be a simple answer, but I'm going to give it a shot. First, a synopsis of me as seen by Experian:Inq's: 24 (red flag, but caused by buying a truck, house, then refinancing truck, as well as adding CC's over the last 24 months...only 5 inq's in last year)All Revolving: 9 TL's w/ 31% usage (total $23,550 avail)Major CC's: 4 TL's w/ 10.3 usage ($13,450 avail)Real estate: 2 accounts w/ no lates, $183K owedInstallment: 1 account, no lates, $14K owedI'm trying to up my CL's on my major cards (CL's are $300, $400, $750, $2000, and $10,000). The $10K is a new Visa, and upgrade from Target, so not worried there, and BofA just blessed the $2000 from $1000, so I'm okay there. For the others (CapitalOne, Chase, and Household), I would like to request a CLI, but can't justify an inquiry because of the high number on there. I'm not getting ready for anything major (we bought a second car at a good rate, but it's not in the CRA's records yet, I guess). Is there a way around that? Why do some require an inquiry and some don't? And for a financial review, why are people afraid of one? It seems as long as you have something saying you make what you make, you should be okay, right?I have another question, but will create another thread, as it may help others (haven't seen the topic yet). Thanks in advance for the help!Frank
I just posted in your other thread. Inqs at this point should be the least of you worries, you have very high util on your military star card. This will surely be a roadblock if you start apping for CLIs.
OBXFrank wrote:
I used freecreditreport.com (I know, I know...FAKO). I'm going to guesstimate at least 12 were auto or mortgage.