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Inquiry Kings & Queens

Frequent Contributor

Re: Inquiry Kings & Queens

I did just that today. I added the Sky to my wallet to boost AAoA.

CARDS.jpg

Message 41 of 74
Valued Contributor

Re: Inquiry Kings & Queens

My INQs are pretty low:

EX: 1
EQ: 1
TU: 0
EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 42 of 74
Super Contributor

Re: Inquiry Kings & Queens


CreditScholar wrote:
My INQs are pretty low:

EX: 1
EQ: 1
TU: 0

It's time for a spreeSmiley Surprised

Wish mine was that low

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 43 of 74
Moderator Emerita

Re: Inquiry Kings & Queens

@toppers555

I can't imagine what cc you COULD be missing. Smiley LOL
Message 44 of 74
Valued Member

Re: Inquiry Kings & Queens


myjourney wrote:

CreditScholar wrote:
My INQs are pretty low:

EX: 1
EQ: 1
TU: 0

It's time for a spreeSmiley Surprised

Wish mine was that low


Well, I wish my FICO scores were that high!



Current Scores:EQ: 726 (07/13) | TU: 656 (03/13) | EX: 715 (07/13)
Goal Scores (2013): EQ: 750 | TU: 700 | EX: 730 - Last app: 11 May 2013 - Done apping for the foreseeable future
Message 45 of 74
New Contributor

Re: Inquiry Kings & Queens

Not to hijack.. I have a ton as well. I was curious though. Is there any point to recon with many inquiries? Anything you can say?

Message 46 of 74
Established Contributor

Re: Inquiry Kings & Queens


kstmommy wrote:

Not to hijack.. I have a ton as well. I was curious though. Is there any point to recon with many inquiries? Anything you can say?


Depends on your scores and overall credit history I would say. If you have a longer history of credit use and history of high lines not as high of a factor if you have a thin file , and no history. That screams red flag.



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Message 47 of 74
New Contributor

Re: Inquiry Kings & Queens

Thanks. I'm very new to rebuilding and in the low to mid 600's. I knew inq's played a part, but didn't know how crititcal they were until after I already did it. I just wondered if there was anything you could say specific to inquiries. I'm not sure "I didn't know" will cut it LOL (Dreading the garden, but I'm headed there for a year, at least.)

Message 48 of 74
Established Contributor

Re: Inquiry Kings & Queens

Ex-0

Eq-0

TU-1

 

The 1 on transunion is just over a year old, it only appears on CK, not on myFico scores.

Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 49 of 74
Regular Contributor

Re: Inquiry Kings & Queens

experian 13
Eq 6
transunion 5


Current score TU 708, EX 686 EQ 715
Status I.T.Garden Till 08/2014
Message 50 of 74