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Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013
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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?

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LS2982
Posts: 15,436
Registered: ‎04-09-2011
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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.

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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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.
Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013
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Re: Inq

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

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LS2982
Posts: 15,436
Registered: ‎04-09-2011
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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.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013
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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.

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Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013
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Re: Inq

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

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09Lexie
Posts: 26,593
Registered: ‎09-13-2012
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Re: Inq

You could always try emailing the EO of Cap1 for a CLI.
Valued Contributor
Stonemanmv
Posts: 1,246
Registered: ‎04-23-2013
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Re: Inq

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

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09Lexie
Posts: 26,593
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