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How many INQ is too many for Amex BCE?

New Contributor

How many INQ is too many for Amex BCE?

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

Message 1 of 11
10 REPLIES
Moderator Emerita

Re: How many INQ is too many for Amex BCE?

Against your FICO, 1 year. Too many depends on your cr.
Message 2 of 11
New Contributor

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

Message 3 of 11
Moderator Emerita

Re: How many INQ is too many for Amex BCE?

Message 4 of 11
New Contributor

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

Message 5 of 11
Established Contributor

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: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 6 of 11
Moderator Emerita

Re: How many INQ is too many for Amex BCE?

Message 7 of 11
New Member

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"... 

Message 8 of 11
Senior Contributor

Re: How many INQ is too many for Amex BCE?

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

Message 9 of 11
Valued Contributor

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%
Message 10 of 11