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Most INQ's You've Ever Had At One Time..

Frequent Contributor

Re: Most INQ's You've Ever Had At One Time..

I was recently approved for unsecured Cap 1 card $500 and NFCU $500 nrewards. Denied everywhere else Smiley Happy

yes I know it's a lot, I just get that uncontrollable itch! But since I have pretty much applied every and been denied, I don't think I will be apping anytime soon.

Message 11 of 44
Established Contributor

Re: Most INQ's You've Ever Had At One Time..

I have 10 on my eq and 5-7 on ex and tu......the scores I have below are most current...I was denied cap one and citibank visa early on...too many inq. for cap one and new accounts for citi. But citi did approve me for the shell card
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 12 of 44
Established Contributor

Re: Most INQ's You've Ever Had At One Time..


Tommy5746 wrote:

Jlu wrote:

Was just approved for that fancy visa siggy in my sig (no pun) with 21 inquiries.


What was your score when you app'd for the card? What bureau did they pull?


Not sure yet, I think they pulled EX, which compliments of AMEX is 685 as of a couple weeks before this app. I'm assuming it was EX because no CK (TU) or SW (EQ) alerts thus far.

 

EDIT: I always must mention that I am a business owner making 6-figures and have closer to 6-figures in my Chase checking account. This definitely played a role. It also proves that money can buy approvals, sometimes.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 13 of 44
Regular Contributor

Re: Most INQ's You've Ever Had At One Time..

I currently have 21 inq on EX and EQ and 17 on TU. I have been approved for: Chase freedom, Kanes, Ashley's, American Signature, Cap1 cash rewards and TJX card in September with all reports having over 18inqs and the only I had to recon was Chase. I also refi a unsecured loan for 3.4K with my credit union in August and I had about 18inqs.

Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 14 of 44
Valued Contributor

Re: Most INQ's You've Ever Had At One Time..

I think the most I have ever had at one time was 12 on EX. I have 9 right now, with 2 that will fall off next week, and 2 more that will fall off in December. On TU and EQ, the most is maybe 4-5 each. Right now I have 1 on TU and 0 on EQ.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 15 of 44
Valued Contributor

Re: Most INQ's You've Ever Had At One Time..


Tommy5746 wrote:

Whats the most amount of inqs youve ever had on your report at one time... Also, whats the most amount of inqs youve had on your report and STILL approved for a credit card...

 

For me, its 15 inqs.. although 4 of those were for auto shopping.. But still.. 15 is a ton! I was also approved for a Citi Dividend with 10 inqs on my EX report..

 


Don't have the exact numbers but it was a lot, before I knew what my credit score was or any details on how the FICO worked, But we needed a car, and had 2k down payment.  I walked in to a car dealership, and they saw my paycheck as a IT contractor that also had a bit of overtime reporting and we will get you financing just be patient, About 2 3 hours later we walked out with a car, and a car loan at an ungodly rate, and in the mail for the next 3 weeks straight we were getting denial letters, at least 4-5 each day. So I figured it was about 20 on each report from a single car loan. No credit cards, basicly only collections showing on the report when I was approved. But that was over 40 months ago.  Car loan now paid off in full.

 

I now have about 9-10 Inq's over the last 2 years on each of my reports thanks to my AP addiction,  thankfully I am fighting it,  6 weeks AP free today. 

 

 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 16 of 44
Established Contributor

Re: Most INQ's You've Ever Had At One Time..


Tommy5746 wrote:

Whats the most amount of inqs youve ever had on your report at one time... Also, whats the most amount of inqs youve had on your report and STILL approved for a credit card...

 

For me, its 15 inqs.. although 4 of those were for auto shopping.. But still.. 15 is a ton! I was also approved for a Citi Dividend with 10 inqs on my EX report..

 



13 on TU and was approved for Walmart Discover with 12. Everyone pulls TU for me for some reason (three of them are HSBC/Cap one over a few week period over same $300  card) My EQ only has 5 (4 next week). So much for EQ being the main one pulled....not for me. TU loves me!!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 17 of 44
Established Contributor

Re: Most INQ's You've Ever Had At One Time..


maiden_girl wrote:

I have about 30 INQs. And I've been approved for cards with the INQs. My FICO score is around 719


Makes you wonder if inquiries really matter. I mean I get so stressed out over the possibility of a hard pull. Maybe they mean a lot less to creditors than the extent to which I worry about them.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 18 of 44
Highlighted
Contributor

Re: Most INQ's You've Ever Had At One Time..

I have 39 on each.

NFCU Flagship Rewards Visa Signature $5,000
NFCU NavCheck LOC $10,000
Chase INK Cash $10,000
Chase Freedom $1,500
Bank of America Cash reward 123 $5,000,Barclays Arrival World MC $3,000,Amazon Prime Card $3,500
Message 19 of 44
Contributor

Re: Most INQ's You've Ever Had At One Time..

I have 24 currently on Experian  and 12 each on the other 2.


......NPSL.........14.5 K............30 K..........20 K.........10 K...............8 K.............7.5 K..........
Message 20 of 44