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.
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.