cancel
Showing results for 
Search instead for 
Did you mean: 

Denied for too many inquires in the past 2 years?

tag
jsickz32
Valued Contributor

Re: Denied for too many inquires in the past 2 years?

Only bank who was mentioned total number of inqs and denied me because of that is chase.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 21 of 23
CruzImperial
Established Contributor

Re: Denied for too many inquires in the past 2 years?

I've seen Citi get its nerves up when they see too many inqs.. As for chase, I don't think they mind.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 22 of 23
tinuviel
Moderator Emeritus

Re: Denied for too many inquires in the past 2 years?


@creditnocash wrote:

Yeah guys this was theoretical. 

 

i did app amex on the first but it said too many inquries in the past 12 months not 2 years. 

i have 4 inquries on each report just from august 30th.3 for fico scoring. (auto lease)

 

another thing. if a inquiry ages over the two year mark, does it fall off right away or is it like an end of the month thing? 


I've had some that fell of towards the beginning of the month, some on or around the day they reached two years, and some that have dropped at the end of the month. I'm not sure how the CRAs are actually set up to handle this, but I've just come to expect that an inq should fall off sometime very close its two year anniversary mark.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 23 of 23
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.