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Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011
0

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 those:smileysurprised:


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.

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Established Contributor
UFGuy2006
Posts: 745
Registered: ‎08-02-2008
0

Re: How many 'inquires' is excessive?

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

FICO: EX: 743 (10/14); TU: 758 (9/14); EQ 721 (9/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 7 | DCU X 1 | Discover X 1 | Fidelity X 1 | Fifth Third X 1 | Macys X 1 | PenFed X 1 | PSECU X 1 | Sams Club MC X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1 = 36 Cards

Holding off apps until the end of the year! Wish me luck!
Frequent Contributor
iMacDrew
Posts: 350
Registered: ‎07-13-2012
0

Re: How many 'inquires' is excessive?

a dozen.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Contributor
tbolt2
Posts: 84
Registered: ‎03-11-2011
0

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+


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Senior Contributor
Open123
Posts: 4,219
Registered: ‎02-23-2011
0

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.

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

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

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Senior Contributor
Open123
Posts: 4,219
Registered: ‎02-23-2011
0

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.  

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

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

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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