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Okay when to app again !

Established Contributor

Okay when to app again !

 I am one card away from completing my card list. I was denied credit for to many inquirys, 21 various inquirys over the last month. The question is should I wait 12 months or six months safe to app again for American Express or Citi ?

 

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

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5 REPLIES
Valued Contributor

Re: Okay when to app again !

21 inq in one month? Which report? Are they for an auto loan? I would say wait 11 months so they are at least a yr old.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Message 2 of 6
Valued Contributor

Re: Okay when to app again !


dodgeball wrote:

 I am one card away from completing my card list. I was denied credit for to many inquirys, 21 various inquirys over the last month. The question is should I wait 12 months or six months safe to app again for American Express or Citi ?

 


You could try at 6 months but make sure your utilization is way down to improve your chances. Inquires after 6 months have little effect. After 12 months have almost no effect on your score. Some lenders may go only as far back as 3 months others 6 or even a year, really no way of telling. I am going to try with Chase and American Express at the 6 month mark for me (had lots of inquires back in Aug.) if denied cuz of inquiries i am then going to wait a whole year. I am taking a chance and see what happens.

gardening since 5/21/2016
Message 3 of 6
Moderator Emerita

Re: Okay when to app again !


dodgeball wrote:

 I am one card away from completing my card list. I was denied credit for to many inquirys, 21 various inquirys over the last month. The question is should I wait 12 months or six months safe to app again for American Express or Citi ?

 


Smiley Surprised 21!

Message 4 of 6
Established Contributor

Re: Okay when to app again !

No about 15 of them where in Dec on Equifax. The rest from the previous month. About 7 of them where for Credit Card pulls the rest where for limit increases NFCU and three where for membership to various banks. I was thinking letting them age for a year myself. It seems that most CC companies only count inquires in the past year though I could be wrong on that I know at least USAA does.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 5 of 6
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Established Contributor

Re: Okay when to app again !


09Lexie wrote:

dodgeball wrote:

 I am one card away from completing my card list. I was denied credit for to many inquirys, 21 various inquirys over the last month. The question is should I wait 12 months or six months safe to app again for American Express or Citi ?

 


Smiley Surprised 21!


The Hit on Inquiries is overated , any way they all pulled equifax I have only like 3 on transunion

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 6 of 6