09-25-2012 03:24 PM
EQ - 4 (only 1 in past 9 months)
EX - 4 (2 in past 9 months)
TU - 2 (1 in past 9 months)
I feel i have too many. Around january all my inq should fall off except 3 from my first app spree (Amex 2 n 1 hard pull, freedom, discover)
09-25-2012 03:25 PM
09-25-2012 04:34 PM
EQ=2 EX=2 TU=1 All over 1 year old, and not counting against me now. Going on a mini spree soon though............
09-25-2012 06:28 PM
Well okay, here's mine all from this year:
May = Credit One Bank
June= Bank of America (Denied)
Sept=Elan CC from local CU (Got 7-10 day notice...probably denied)
Sept=DCU (2 HP's, one for membership and one for CC)
I think I may have over done it so I am gardening till at least May or June next year
09-25-2012 07:13 PM
I'm not sure why the OP elected to omit inquiries older than one year. Maybe he/she will share that reason. Even though it is popular belief that Inquiries have no bearing on your FICO score after a year, creditors can still see the inquiries and factor them into credit decisions. I think its smart to keep a handle on inquiries no matter how old they are.
On to the question..... Eq = 1, Ex = 0 Tu = 0 May burn another next summer on a BCE. Hopefully that will be an Ex pull.
Curious how others inquiries are looking. Here are mine (I'm not including any inquiry that is more than a year old):
4 - TU, 7 EQ and 4 EX (total 15 inquiries)
Come March 2013 I'll be 4 TU, 6 EQ and 3 EX
Come June 2013 I'll be 2 TU, 4 EQ and 2 EX. (Target for refi) (total 8 inquiries)
Edit: Oh and I hate the fact that 3/15 inquiries or 20% of my total are all due to me acquiring a Cap1 secured card.
09-25-2012 07:22 PM
09-25-2012 07:44 PM - edited 09-25-2012 07:45 PM
EX-4 but only 1 in the last 12 months
EQ-0. None of the ccc's in my sig seem to like to pull eq up here in MA.
09-25-2012 08:15 PM
i like this thread...
well id have to pull new reports since i know that amex hit all thre cra but guesttimating
ex-5 total 4 Under a year
tu-9- 5(went crazy with ge and bank stuff)
to of the eqs are bank pulls for checking and od line. and a credit card.
after feb 8th my most recent apps. 2 of my inq will completely fall off. and
4 will be over a year.
holy over 8 inquries this summer. im surprised im still in 700's.
cant wait till 2014 when my reports are free of inquries. august 30th 2014, marking my calender.
|Current: Discover Fico 689 7/14 Walmart Fico 697 8/14|
Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
09-25-2012 08:32 PM - edited 09-25-2012 08:32 PM
EX = 0
EQ = 2 (Aug. 2011 and Feb 2012)
TU = 0
I might be taking one more next month, but I'm not 100% sure on that yet. More like 90% sure.
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