cancel
Showing results for 
Search instead for 
Did you mean: 

How many 'inquires' is excessive?

tag
JusdoNit
Established Contributor

Re: How many 'inquires' is excessive?

It just depends.  I have 30 inquiries that I know of for sure on EX over the last 18 months and 20 plus on EQ and TU and yet I just got approved for every card I applied for (even Target).  I know EQ and TU only look at the last year, but it's still more than 20 on each of thoseSmiley Surprised


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Message 11 of 25
UFGuy2006
Established Contributor

Re: How many 'inquires' is excessive?

DCU thinks 3-4 in a six month period is excessive... 

Message 12 of 25
iMacDrew
Frequent Contributor

Re: How many 'inquires' is excessive?

a dozen.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 13 of 25
tbolt2
Contributor

Re: How many 'inquires' is excessive?

In the last two days I was approved for 1000.00 each for a Citi Simplicity and Discover More :

 

6 inquiries at Experian (zero in the last year) ,

22 inquiries at Equifax (9 of them within the last year).

 


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+


Take the FICO Fitness Challenge

Message 14 of 25
Open123
Super Contributor

Re: How many 'inquires' is excessive?

Most issuers will be weary with 6+ over any 12 month span.  It doesn't mean they won't approve you, but require some kind of reason for the inquiries.

Message 15 of 25
creditnocash
Valued Contributor

Re: How many 'inquires' is excessive?

i have 12 total at the moment over all three reports.4 over a year old  5 in the past 6 months which one was a checking account that pulled eq. i have not been denied for anything in the past 3 months. 

 

i hope thats not too much for amex. (just to start the backdating process) 

and my cosigned car loan/lease.



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 16 of 25
webhopper
Moderator Emeritus

Re: How many 'inquires' is excessive?


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

 

+1 when I went on my app spree I had over 15 on each report (mortgage related) Amex didn't care. Chase cared but they were fine once I explained them during recon. Discover cared a lot (I don't know if its because I already had a card with them and they didn't want me to have 2 cards) Nfcu did not care. Gecrb did not care. Scores were above 680 in Feb when I apped
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 17 of 25
Open123
Super Contributor

Re: How many 'inquires' is excessive?


@OlegWasHere wrote:

i hope thats not too much for amex. (just to start the backdating process) 

and my cosigned car loan/lease.


Amex isn't very inquiry sensitive at all.  

Message 18 of 25
creditnocash
Valued Contributor

Re: How many 'inquires' is excessive?

This would be my first Amex.
That's good news. After i start Amex I won't applying for anything in the forseeable future.
So if auto is lumped into one. I'll have 13 total. And two more fall off by year end


Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 19 of 25
webhopper
Moderator Emeritus

Re: How many 'inquires' is excessive?


@OlegWasHere wrote:
This would be my first Amex.
That's good news. After i start Amex I won't applying for anything in the forseeable future.
So if auto is lumped into one. I'll have 13 total. And two more fall off by year end

 

With amex charge cards they are not as inquiry sensitive. I have no knowledge in regards to their revolvers
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 20 of 25
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.