@FinStar wrote:
@09Lexie wrote:The bulk of your inq's will be more than a year old when you all. Personally, I don't see a problem with inq's.
I think Lexie mentioned when you *apply*...
OP was asking about when he applies to begin with.
IWOL, you will be fine. People are approved with many more inquiries.
@B335is wrote:
@FinStar wrote:
@09Lexie wrote:The bulk of your inq's will be more than a year old when you all. Personally, I don't see a problem with inq's.
I think Lexie mentioned when you *apply*...
OP was asking about when he applies to begin with.
IWOL, you will be fine. People are approved with many more inquiries.
B335is - I don't think you got the point. Re-read... it was a play on words from a slight mispelling above...
@FinStar wrote:
@B335is wrote:
@FinStar wrote:
@09Lexie wrote:The bulk of your inq's will be more than a year old when you all. Personally, I don't see a problem with inq's.
I think Lexie mentioned when you *apply*...
OP was asking about when he applies to begin with.
IWOL, you will be fine. People are approved with many more inquiries.
B335is - I don't think you got the point. Re-read... it was a play on words from a slight mispelling above...
Thanks FinStar- it's been corrected.
@FinStar wrote:
@B335is wrote:
@FinStar wrote:
@09Lexie wrote:The bulk of your inq's will be more than a year old when you all. Personally, I don't see a problem with inq's.
I think Lexie mentioned when you *apply*...
OP was asking about when he applies to begin with.
IWOL, you will be fine. People are approved with many more inquiries.
B335is - I don't think you got the point. Re-read... it was a play on words from a slight mispelling above...
Yes I got the point. IWOL never said he/she was applying with 19 inquiries, that's just what he/she has now and will have the number underlined below when they decide to app:
@FinStar wrote:
@myjourney wrote:
@IWOL wrote:My scores are now in the upper 600's.....EX 680, TU 682 and EQ 690. That is with 35% util and way to many cards reporting a balance. 14 out of 16. Im not apping for anything right now so I havent been worried about cards reporting a balance.
By May of 2014 I will have my Util down to 9% and I will make sure only 1 card reports a balance. I figure my scores should be in the 720 to 750 range once I do that. My AAoA will have hit 3 years in April and I will only have 2 accounts less than 1 year old and those 2 will be 6 months old in May.
I would like to apply for an AMEX charge card as well as the CSP around May or June. My biggest problem is inquiries. I only have 3 on EQ and 2 on TU but 19 on EX.
I applied with too many EX pullers too early in my rebuild, big mistake.
By May 2014 4 will fall off and there will be 15 left with 13 of them being more than a year old at that time. So it will only be 2 in the last year.
Do I need to wait untill I have fewer over the last 2 years, since those will still show on my CR?
Any advice is much appreciated.
Ouch YMMV but you're a little high IMHO
+1
An item to keep in mind, inquiries or scores will not be the only factors that AMEX will consider. Granted, those 2 play a big part but it's a YEMV situation. Only way to know is when you apply.
