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I financed a 46k lexus through toyota last week and had 2 hard inquiries from car dealership that day, was approved for amex gold a few days ago so that was a hard inquiry, then got a hard inquiry for CLI on macys card about 2 weeks ago. I also have 2 hard inquirys from mortgage hunting, one from may of 08, and one from june of 08. That's 6 hard hits total, 4 in the last 3 weeks. Should I wait to apply for the Lexus card? Is that too many hits recently to be considered?
@Anonymous wrote:I financed a 46k lexus through toyota last week and had 2 hard inquiries from car dealership that day, was approved for amex gold a few days ago so that was a hard inquiry, then got a hard inquiry for CLI on macys card about 2 weeks ago. I also have 2 hard inquirys from mortgage hunting, one from may of 08, and one from june of 08. That's 6 hard hits total, 4 in the last 3 weeks. Should I wait to apply for the Lexus card? Is that too many hits recently to be considered?
you should be fine
FWIW I had 9 inquiries in the past two years showing on experian (this was the 10th!) at the time of my approval right after my new Toyota loan showed up.