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Inq

Valued Contributor

Inq

Hi everybody. I'm wondering how many inq's is to many? It looks like some people app every six months. Wouldn't those really add up?

SIlver:

Message 1 of 30
29 REPLIES
Mega Contributor

Re: Inq


Stonemanmv wrote:
Hi everybody. I'm wondering how many inq's is to many? It looks like some people app every six months. Wouldn't those really add up?

IMO I would say more than 3-4 on each report in a year span, 1-2 in 6 month span.

 

 




EQ FICO 548 3/3/16
Message 2 of 30
Moderator Emerita

Re: Inq

Too many depends on the individuals cr. thick files can usually handle more inq's than thin files. Keep in mind inq's stop counting against your FICO after 1yr.
Message 3 of 30
Valued Contributor

Re: Inq

Looks like some garden time for me then. I have 8 on Ex, 3 Eq, 3 Tu

SIlver:

Message 4 of 30
Mega Contributor

Re: Inq


09Lexie wrote:
Too many depends on the individuals cr. thick files can usually handle more inq's than thin files. Keep in mind inq's stop counting against your FICO after 1yr.

This is true as well. The main goal to go by is only apply for credit when you absolutely need it.




EQ FICO 548 3/3/16
Message 5 of 30
Valued Contributor

Re: Inq

I only have one good cl discover it 6000 cl. Cap 1 750. Us bank 500 cl. I hope I can grow the us bank cl but the cap 1 is disappointing.

SIlver:

Message 6 of 30
Valued Contributor

Re: Inq

My goal is to have 4 cards. Discover Amex visa master card all with high limits

SIlver:

Message 7 of 30
Moderator Emerita

Re: Inq

You could always try emailing the EO of Cap1 for a CLI.
Message 8 of 30
Valued Contributor

Re: Inq

Could you send that to me. Also would that be a Hp or a Sp Thanks

SIlver:

Message 9 of 30
Moderator Emerita