How many 'inquires' is excessive?

[CreditPacMan]

Like the title says ... how many inquiries is considered excessive? And does it matter if all the inquires are recent?

I believe that old inquiries ( a year old or so ) don't raise red flags for creditors.. is that correct? 

[LS2982]

IMO 4+ in a 6 month span is excessive.

[flowfaster]

It really depends on the lender. GECRB not so much but Citi thinks 2-3 is too much.

[LS2982]

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@flowfaster wrote:
It really depends on the lender. GECRB not so much but Citi thinks 2-3 is too much.

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This is true as well, especially with Citi.

[CreditPacMan]

Sometimes it's really hard to understand. Last week I was approved for the Chase Amazon Visa card with 11 inquires on my CR (recon).

Today I applied for a limit increase on my freedom and initially I was denied for the same reason. But later I was approved for half what I asked for ( a $500 increase). 

It's worth mentioning that all the inquires are within the last 4 months!

[LS2982]

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@altayar wrote:

Sometimes it's really hard to understand. Last week I was approved for the Chase Amazon Visa card with 11 inquires on my CR (recon).

Today I applied for a limit increase on my freedom and initially I was denied for the same reason. But later I was approved for half what I asked for ( a $500 increase). 

It's worth mentioning that all the inquires are within the last 4 months!

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I would recommend gardening for 6 months to a year to get the best results apping and going for CLI's. The older the INQ's are the better.

[AF_23]

5-7  range is where i hit a wall

[LilNYC]

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@altayar wrote:

Sometimes it's really hard to understand. Last week I was approved for the Chase Amazon Visa card with 11 inquires on my CR (recon).

Today I applied for a limit increase on my freedom and initially I was denied for the same reason. But later I was approved for half what I asked for ( a $500 increase). 

It's worth mentioning that all the inquires are within the last 4 months!

Wait, 11 diff. cards pulled the same report? Maybe you should've out a security freeze on that one so that they would've been forced to pull a diff report?

[CreditPacMan]

Well some creditors pull only one and some pull two. It's never happened to me before that a creditor pulled all three reports (except for Cap 1). But yeah 11 inquires on my EQ and EX reports. 

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@LilNYC wrote:

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@altayar wrote:

Sometimes it's really hard to understand. Last week I was approved for the Chase Amazon Visa card with 11 inquires on my CR (recon).

Today I applied for a limit increase on my freedom and initially I was denied for the same reason. But later I was approved for half what I asked for ( a $500 increase). 

It's worth mentioning that all the inquires are within the last 4 months!

Wait, 11 diff. cards pulled the same report? Maybe you should've out a security freeze on that one so that they would've been forced to pull a diff report?

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[KingAdrock]

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@LilNYC wrote:

 Wait, 11 diff. cards pulled the same report? Maybe you should've out a security freeze on that one so that they would've been forced to pull a diff report?

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That's not what security freezes are for.