Inquries

[tbea1004]

How many inquiries is to many? I have 6 on Equifax, 1 Transunion and 1 Experian. When I get my credit score I hope to get the Venture card or Quick Silver or both.

[Kostya1992]

Depends on overall profile. If you have 20+ years of solid history across many different accounts you can have 40 on each CRA and nobody will care.

[Anonymous]

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@tbea1004 wrote:

How many inquiries is to many? I have 6 on Equifax, 1 Transunion and 1 Experian. When I get my credit score I hope to get the Venture card or Quick Silver or both.

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That is very subjective.. Everyone's file is different.  When you say 6 on equifax, 6 in a year or the last 3 months or the last week?  

[Anonymous]

i have 11 and that's a lot for my profile. started getting denied solely due to inquiries.

[tbea1004]

6 in the last four months... Im just starting my credit history..I do not even have a credit score yet...

[kdm31091]

By most standards 6 in 4 months is a lot. I'd chill for 6 months before more apps. build your history. You'll have a much better chance of worthwhile approvals if you are patient.

[Anonymous]

i have about 7 on TU 6 on EX and like 3 on EQ .. 

i would consider a lot if it passes 13 on a single one! 

GL

[Anonymous]

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@tbea1004 wrote:

How many inquiries is to many? I have 6 on Equifax, 1 Transunion and 1 Experian. When I get my credit score I hope to get the Venture card or Quick Silver or both.

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Lol, that's nothing if you're going for Venture and QS.

Go for both within a few minutes of each other.  Venture first, QuickSilver second.

You don't need to wait for your credit scores..you wouldn't have gotten a $400 Kohls card without some prior credit history..

Apply now.

[kdm31091]

Are you serious? OP has no credit score and you think they'll get a venture and quicksilver?

Sorry but IMO that's definitely not happening

[Anonymous]

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@kdm31091 wrote:
Are you serious? OP has no credit score and you think they'll get a venture and quicksilver?

Sorry but IMO that's definitely not happening

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The OP already has a credit score with Capital One; they just don't realize it.

Cap1 uses their own internal scoring...not FICO '08 scoring so what's the point of waiting on a score that isn't gonna be used?

My niece who only had a $500 Cap1 secured card already has a $5K Venture and $20K income with something like 4 months into their credit.  At my urging, of course

Cap1 doesn't need external scoring to approve you as long as you already have a CAP1 card.