Inquiries affecting CC Decisions...

[Swapmeet]

I know that when an INQ hits its one year anniversary it no longer has an affect on your Fico score. But what about a potential creditor? Do they look at the two years as a whole, or just the last 12 months, or what?

[myjourney]

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@Swapmeet wrote:

I know that when an INQ hits its one year anniversary it no longer has an affect on your Fico score. But what about a potential creditor? Do they look at the two years as a whole, or just the last 12 months, or what?

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Some surely look at the 2 year INQ deal sad but true 

[gdale6]

Yep, some look at the whole inquiry pic even the ones past 12 months, several years ago it was the only reason for a denial and all of them were +12 months.

[user5387]

Creditors may apply their own rules independent of your score.

This is true in areas like inquiries, new accounts, AAoA, sizes of CLs, and so on.

[CreditMagic7]

Indeed.

It's just a guess but probably an accurate enough one that if a lender Rep is having a really bad day and somehow feels predisposed on a borderline app or other neg factor(s) are already in play, they have that additional x factor available for them to conclude (misjudge?) that form and move on to the next?

[Luscher]

It only stops effecting your FICO score after 1 year. Any creditor can see it up until 2 years, But I think they weigh less in the eyes of creditors past 1 year.

[indiolatino61]

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@gdale6 wrote:

Yep, some look at the whole inquiry pic even the ones past 12 months, several years ago it was the only reason for a denial and all of them were +12 months.

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Could you please tell us who denied you...I'd like to stay away from it...lol.

[indiolatino61]

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@Swapmeet wrote:

I know that when an INQ hits its one year anniversary it no longer has an affect on your Fico score. But what about a potential creditor? Do they look at the two years as a whole, or just the last 12 months, or what?

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From 0 to 24 and everything in between...lol. I'd find it odd to be denied based on inquiries if they are all >1 year. I'd stay away from those...lol.

[Swapmeet]

The thing is, I am going on a small app spree, but I have some inqs that will hit a year in two weeks. I just got a pre selected offer in the mail for the TYP with 0% for 18 months, then 13.99. This is one of the cards that I want to get (deciding between simplicity, dividend, CDP, or TYP since I got pre qualified for all of them on their site). First things first, I am going to call USAA and get a cli tomorrow. One of my eq inqs hit a year today, so I figured I'd wait until tomorrow--just in case it raises my eq score a little (eq is my lowest score by far). Then, my new usaa limit will report in one week. As soon as it does...It's TYP, Sallie Mae, maybe CSP if they will allow me to use the same hp as my cli for freedom, maybe a rate advantage usaa if they will use my same hp.