Reply
Valued Contributor
sccredit
Posts: 1,119
Registered: ‎09-14-2012
0

Re: Chase SP recon success with my 90+ inq!

Even if he was maxed at 85 inquiries or had 90, does it really matter?  Either way it is a boat load!

Never take credit personally

Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $15,000; US Bank PLOC Overdraft $1,500; US Bank Perks+ Visa Signature $8,600; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Frequent Contributor
Happychap
Posts: 344
Registered: ‎10-25-2011
0

Re: Chase SP recon success with my 90+ inq!

Some people are spending way too much reading the actual number of inqs instead of the point of the post which is to educate and inform other users that a high number of inqs its still possible to reverse a decision.   The people who are concentrating too much on the number are probably people who read the last page of a book instead of its content.

Anyway, yes there was a time EQ had a max number of INQ slots of 85.  People such as myself took advantage of this by using the 'bumpage'  technique to knock off the hard inqs. Now, this seriously messed up my CR so I wouldn't advise anyone on doing that. I also read to much into of the success stories of other people trying this, it doesn't work for everyone!!  Besides, my understanding is  that EQ have since fixed this and like EX and TU there are no allocated INQ slots anymore meaning you can go past the 85.  Maybe for some people this still works but for me it clearly no longer works, maybe because the mess it caused when I did it.   I had success in deleting several inqs by this technique but like I said it messed up my CR at the time.  The fact is, as of have last week my EQ CR showed 93 inqs as advised by analyst  and from what I have seen myself. 

Purpose of sharing this is merely to help others from a similar background.  That is all.

Valued Contributor
navigatethis12
Posts: 1,954
Registered: ‎01-24-2012
0

Re: Chase SP recon success

It is brilliant that you got approved for it, but I do not think people with a lot of inquiries usually have them from rate shopping. If they were all credit card inquiries the reconsideration probably would have went differently.

Valued Member
Link2k
Posts: 65
Registered: ‎04-17-2012
0

Re: Chase SP recon success

The reasaon people have a hard time believing you on the number is because there are hundreds, maybe thousands, of people that can verify the max of 85 and you are the only one I have ever heard of with more than that.

While it is possible not everything is adding up. I have heard of people getting 30 INQ's when car shopping went terribly wrong. How did you rack up 90?

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}