Inquiry sensitive lenders

sjf0sauf09u109 · ‎10-12-2012

which lenders are inquiry sensitive?

Besides hurting fico score, I assume inquiries have psychological

effects on credit analysts at banks.

Well, inquiries are proof of "seeking credit"
I read on forum that citi is quite sensitive about inquiries.

More than likely to turn you down if you have 2 within a year.

What other lenders are sensitive?

Anybody had recent experiences of being turned down because you had inquiries?

If so, how many inquiries did you have?

Also, when does inquiry show up on your report after you apply for credit card/loan?

Always appreciate your valuable time and answer !!

Duncanrr · ‎06-08-2012

Citi is sensitive and chase to lesser degree. Barclays is after you get their card at least for the first 6 months.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
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Cadillac-XTS · ‎08-20-2012

Barclays of course

Shogun · ‎04-15-2011

+1 Barclays

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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visorboy1974 · ‎05-17-2010

Nordstrom

Starting Score: 600
Current Score:: 687EQ, 698EX, 721TU
Goal Score: 760

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BearsAndTurtlesRtheBest · ‎10-02-2012

barclay is not inquiry freindly they turn you down just because of that! Ive applied like three time and denied. GE is the best in my opinion.

Im a 18 yr old in high school with no annual income that loves learning new things about credit. I pulled my FIRST Experian Score from Quizzle.com (on 2-9-13). Quizzle.com was the only site that was able to find my credit report, the rest required more information in order to do so since I lack public records. I'll update on the cards I am currently as an AU because some haven't reported yet. I don't own any cards under my name since I don't have an annual income to include when applying. Im super EXCITED!! MyFico.com is awesome!!!

Dustink · ‎10-02-2012

Crap1 is pretty INQ sensitive 4 their prime cards.

Too many INQs & low AAoA so I'm off to tend the Garden. Age:21 EQ: 642 TU: 677 EX: 665

$14k $8.5K $7.5k $7.5k $6.5k $6k $5k $5k $5k $5k NPSL @ 0%

ItchyAppFingers · ‎07-31-2012

Citi, Barclay, Amex, and BOA..... All inq. Sensitive

My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}

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