Credit Cards Center Credit cards from our partners
Frequent Contributor
Posts: 256
Registered: ‎04-16-2009

Recons with Too Many Inquiries

Hi everyone,


After reading through so many threads on recons, I feel confident enough to call for a couple of my own. Specifically, I would like to ask for a recon on a CLI for my Chase Amazon Visa, as well as my Juniper iTunes Visa. I may also find the courage to call about my denial for a new Discover More card.


My credit scores are all around 700, with absolutely no black marks in terms of payments, collections, etc - everything on my reports has a perfect payment history. My only downfall is too many inquiries, which actually has my Equifax score lower than the others, since most of the pulls are through them. The number of inquiries IS the reason I get when denied for credit. Kind of a catch-22 I've gotten myself in.


Can anyone give me advice on how to explain my inquiries to the credit analysts without sounding stupid or irresponsible? I have probably 10-15 inquiries for the past year (less on TU an EX), mainly due to CLI requests for my current cards...and then apps for a new card every now and then due to frustration over not getting the CLI's. For example, my Chase has been stuck at $1000 for almost 3 years now, with an excellent history with them.


I am definitely learning a lot from everyone here, and know that I haven't been smart with my apps...I used to think it was all about keeping my balances down and my payment history clean. What I want right now is to just get a couple of those cards at more reasonable limits, so then I don't feel tempted to apply for new credit hoping that they'll extend a better CLI. I honestly didn't even know you COULD recon until these forums! I wish I had before applying for (and getting) new cards with low limits.


I just want to get a couple of cards up there...then let everything sit for at least a year (when I may need a new car loan). Any advice? 


Thanks so much! Smiley Happy

Starting Score: 670 EQ and 674 TU
Current Score: 670 EQ and 674 TU
Goal Score: 750 both EQ and TU

Take the FICO Fitness Challenge
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008

Re: Recons with Too Many Inquiries

Wait a few months until some of the inquiries drop off.  That's the easiest way to improve your situation.
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Regular Contributor
Posts: 137
Registered: ‎05-14-2007

Re: Recons with Too Many Inquiries

I don't know what to tell you, except that maybe a CU would listen to your story.


Be careful calling Chase for recon - they are VERY likely to pull again.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.