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Why in "about a year?"
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TCL: $571.05k CCs:23 AAoA: 6yr 1mo Util: ~1% Derog: 0 |
Mortgage: $215.1k Sonata Lease: $1.3k Palisade: $23.8k |
If inquiries are the primary reason why you're delaying, just forget about it. Even if you currently have 3 HP all with the same bureau and 2 new inquiries hit the same one, the impact on your credit score will probably be...nothing at all. You might see a drop in score of 5 points or so due to the new accounts and change in AAoA, but going from 3 to 5 inquiries will have not noticeable impact.
Now, if those 3 HP are spread across the 3 bureaus, the impact will be even more miniscule. People sweat inquiries way too much; waiting a year to apply because of inquiries is nuts. Unless you're planning to buy a house within the next 6 months, inquiries should not factor into your decision making here.
I wouldn't sweat the inquiries. It's not like you have 10+ like many do. I wouldn't think 4 would hold you back under most circumstances.
@happypill wrote:If inquiries are the primary reason why you're delaying, just forget about it. Even if you currently have 3 HP all with the same bureau and 2 new inquiries hit the same one, the impact on your credit score will probably be...nothing at all. You might see a drop in score of 5 points or so due to the new accounts and change in AAoA, but going from 3 to 5 inquiries will have not noticeable impact.
Now, if those 3 HP are spread across the 3 bureaus, the impact will be even more miniscule. People sweat inquiries way too much; waiting a year to apply because of inquiries is nuts. Unless you're planning to buy a house within the next 6 months, inquiries should not factor into your decision making here.
Well I did have thoughts on trading in my car at the end of this year or possibly right at the beginning of next year. I want my CS higher than it was when I bought the car or at least not less. When I got my car 3 years ago I had a 715, right now I'm around average mid 600s I find that I range from 650 to 697... so not sure what my CS looks like atm. I was wanting to possibly get a truck. I love my car but it seems like I need a truck to bring big stuff home all the time.... I am constantly having to borrow dad's and his is not in great shape.