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New Contributor
rushx2112
Posts: 119
Registered: ‎03-12-2013
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How many INQ is too many for Amex BCE?

And do they count less after 6 months or only after a year?

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09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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Re: How many INQ is too many for Amex BCE?

Against your FICO, 1 year. Too many depends on your cr.
New Contributor
rushx2112
Posts: 119
Registered: ‎03-12-2013
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Re: How many INQ is too many for Amex BCE?


09Lexie wrote:
Against your FICO, 1 year. Too many depends on your cr.

No derogs, haven't pulled FICO but Credit Sesame says I'm at 725, 5 INQ Feb and older

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09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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Re: How many INQ is too many for Amex BCE?

New Contributor
rushx2112
Posts: 119
Registered: ‎03-12-2013
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Re: How many INQ is too many for Amex BCE?


09Lexie wrote:
Do you mind sharing your cr profile? Current cc's?

Orchard 3k 4y

BOA 123 5k 1y

Discover 2.5k 10mo

DCU 3k 5mo

Chase Freedom 1.5k 5mo

 

No mortgage or car loan

Established Contributor
kobe2012
Posts: 697
Registered: ‎03-16-2012
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Re: How many INQ is too many for Amex BCE?

I had 18 inquiries on EX, 9 the first 4 months of this yr when I got approved for BCE in april


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



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09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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Re: How many INQ is too many for Amex BCE?

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Purdue-BearsFan
Posts: 9
Registered: ‎07-04-2013
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Re: How many INQ is too many for Amex BCE?

It all goes by how your "thick" (or thin) your credit report is.  You can have 15 hard pulls but if you have 20 years of solid credit data, it won't even be a factor in the FICO algorithm.  If you have 2 hard pulls in a year and a year of credit data, you will have "too many inquiries"... 

Valued Contributor
takeshi74
Posts: 3,209
Registered: ‎06-05-2013
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Re: How many INQ is too many for Amex BCE?

Right.  As always, it's not just one variable.

Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
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Re: How many INQ is too many for Amex BCE?

I think I have about 14 when I got the BCE.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

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