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Frequent Contributor
Happychap
Posts: 321
Registered: ‎10-25-2011

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?


 

I have FICO scores in the high 700's and tried to recon twice  this week with Barclays and Citi for being denied due to Inqs only. Both an epic fail! Even with my long history and large credit portfolio they just didn't like my app sprees.  Time to garden.

Frequent Contributor
OptimalCS
Posts: 405
Registered: ‎07-31-2010

Re: Inquiry Kings & Queens

@kstmommy

I didn't realize how deadly Inqs were to my file until I witness a 5 point hit to my file immediately after a citi card app.

I know for a fact that I'm currently being dinged at lease 20 points for inquires.

CARDS.jpg

Regular Contributor
mokong
Posts: 138
Registered: ‎12-13-2011

Re: Inquiry Kings & Queens

equi     0

exp      2

trans   3

 

 

scores are between 730 - 760+ fico

Established Contributor
eviLution
Posts: 704
Registered: ‎06-11-2012

Re: Inquiry Kings & Queens

EQ 5 EX 5 TU 5

Some of them are from when I didn't know much about credit. Luckily I found this forum before I did any real damage! lol

Current Score: DCU EQ 714 - EX+ 746 - WM TU 746
Goal Score: 750+

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 6000 - Chase Freedom: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Frequent Contributor
OptimalCS
Posts: 405
Registered: ‎07-31-2010

Re: Inquiry Kings & Queens

Decent numbers

CARDS.jpg

Established Contributor
YahComb
Posts: 592
Registered: ‎03-10-2012

Re: Inquiry Kings & Queens

ex 8(3)

eq 12 (4)

TU 11 (3)

 

parenthesis is last 12 months.  in about 2 weeks it will be

 

ex 6 (1)

eq 11 (2)

tu 10 (3)

 

 

EQ-730(06/30/14) TU-758(06/19/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 2.92yr AAOA: 24.8 mo
Frequent Contributor
OptimalCS
Posts: 405
Registered: ‎07-31-2010

Re: Inquiry Kings & Queens

I took a hard hit by apping for Verizon Fios rrrrrrrrrr!!!

CARDS.jpg

Valued Contributor
kevinjjc
Posts: 1,301
Registered: ‎01-14-2009

Re: Inquiry Kings & Queens


OptimalCS wrote:

I took a hard hit by apping for Verizon Fios rrrrrrrrrr!!!


That sucks! :smileysad: HP where and your location?

Frequent Contributor
OptimalCS
Posts: 405
Registered: ‎07-31-2010

Re: Inquiry Kings & Queens

NY, EX

CARDS.jpg

Valued Contributor
kevinjjc
Posts: 1,301
Registered: ‎01-14-2009

Re: Inquiry Kings & Queens


OptimalCS wrote:

NY, EX


Oh no, the dreaded EX pull! I'm also in NY. Thanks for your reply.


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