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Inquiry Kings & Queens

Regular Contributor

Re: Inquiry Kings & Queens

TU: 2 in 2013 and 4 in 2012

EQ: 6 in 2013 (3 in the last 45 days) and 3 in all of 2012

EX: 2 each in 2012 and 2013

 

I'm in the garden til Jan 2014 (fingers crossed) lol

 

 


Starting Scores 11/12/2012 EX - 590, EQ - 584, TU - 601
FICO Scores as of 02/06/2014 EX - 687, EQ - 659, TU - 697
BK 7 Discharged Oct 2010, In my wallet: NFCU VisaSiggy $26K; NFCU GoRewards $10K; NFCU Navcheck $15K; Star Furniture $5K, Conns Credit $7K, GE (Ashley Furniture) $1K, GE (Rooms to Go) $3K, Barclay Arrival MC $3K; PWFCU Visa $2.5K; Cap1 Quicksilver1 $2K; Chase Freedome $500; Cap1 Secured $500
Message 21 of 74
Regular Contributor

Re: Inquiry Kings & Queens

TU: 8

EX: 8

EQ: 5

 

While I chime in, I will bump a question already asked in this thread:

 

We know INQs dont factor into your "score" after year 1, but between year 1~2 until they fall off completely, [does it] / [can it] / [will it] affect new credit decisions from lenders, given that they are privvy to the information if a report is pulled?

Message 22 of 74
Frequent Contributor

Re: Inquiry Kings & Queens


sghosh5 wrote:

EX - 21

EQ- 19

TU - 10

 

all of them made in late 2012 and this year. Question is though they don't affect after a year they will show up in report for 2 years and continue affecting for new applications not getting approved ?


Hi Sghosh5-

 

Inquires stay on your credit reports for 2 years. In FICO scoring you get ding for inquires made in the last 12 months. As time pass...3 months... 6 months... you gain back points slowly.  You gain back full points lost in 12 months after each initial inquiry.

 

For example:

 

Today I applied for an Amex card 7/26/13 (shhhh, I really did & I got approved!). This inquiry will show on my credit report for 24 months. But in exact one year 8/27/13. I will no longer be penalized for this inquiry although it will continue to report for another year (8/27/14). 

CARDS.jpg

Message 23 of 74
Established Contributor

Re: Inquiry Kings & Queens

Thanks OptimalCS. I knew that fact. My question was though it does not affect scores any more after a year,between year 1 & 2 it will still remain on report and will the creditors still deny say too many inquiries ?

 

right now the biggest reason of me getting denied is too many inqs. 90 percent of which i did when i got rid of lots delinquencies and collections and wanted to fill my credit report with new and various accounts. I am definitely in garden till late 2014 Smiley Happy

 

My last app was in 07/16/2013. So my report should be clean by 08/2015. 


Starting Score: EQ: 499
Current Score: EX: 659, EQ: 622, TU: 659
CHASE Freedom Unlimited: 1K, CHASE Sapphire: 5K, Barclay Arrival+: 5K, CapOne: 3K,CapOne: $3K, AMEX BCE: 3.9K, AMEX BCE: 1K, WellsFargo: 300, Discover: 8.7K, DISCOVER IT: 2K, CITI Double Cash:2.8K, Southwest Premier: 2K, Express: 2.5K, Paypal: 3.6K, Amazon: 2.5K, Macys: 7.6K, Walmart: 1.5K, BestBuy: 1.5K, Lowes: 6K, HomeDepot: 3K, BOA Cash Rewards: 300
Message 24 of 74
Super Contributor

Re: Inquiry Kings & Queens


sghosh5 wrote:

Thanks OptimalCS. I knew that fact. My question was though it does not affect scores any more after a year,between year 1 & 2 it will still remain on report and will the creditors still deny say too many inquiries ? Some lenders will some won't...example Chase and Barclay and Citi are INQ sensitive 

 

right now the biggest reason of me getting denied is too many inqs. 90 percent of which i did when i got rid of lots delinquencies and collections and wanted to fill my credit report with new and various accounts. I am definitely in garden till late 2014 Smiley Happy

 

My last app was in 07/16/2013. So my report should be clean by 08/2015. 


 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 25 of 74
Super Contributor

Re: Inquiry Kings & Queens

@sghosh, it really depends. People have been declined by Amex, barclays chase, citi and BofA for inquiries that were over a year old, so if can happen. It just really depends on how thick your file is, and whether you have any derogs on file as well.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 26 of 74
Regular Contributor

Re: Inquiry Kings & Queens

EQ - 8

EX - 1

TU - 0

EQ: 780
EX: 767
TU: 779
Message 27 of 74

Re: Inquiry Kings & Queens

OP, Long live us kings!  (in sig)

Message 28 of 74
Frequent Contributor

Re: Inquiry Kings & Queens

Well I have EQ = 6, TU - 6, Ex - 7. I have been triple pulled by CapOne, Amex, Discover, Chase and Citi. This was due to my thin credit file.

 



PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
Message 29 of 74
Frequent Contributor

Re: Inquiry Kings & Queens

I hate triple pulls.

I have triple pulls from cap one (denied venture- I want that card so bad) and amex.

Most of my inquires can from 10 for auto loan.

CARDS.jpg

Message 30 of 74