Which Inquires really matters?

[Anonymous]

My fako score with credit karma was 764 and Equifax score ( 3 in 1) 707

[fused]

Are all three of your reports clean, or are they a little dirty? If a little dirty, how old?

[Anonymous]

2 bad accounts paid and closed 4 years ago

[Anonymous]

The only inquiries that you should have at this time are car, home, and to open a credit union account (or bank account if you are still in the banking system).  If you need a student loan, okay--  Period.  NO store credit inquiries and no credit card inquiries.  Period.

I know people getting turned down because of inquiries alone despite their good stats.  2-3 seems to be considered excessive.

Depending on which FICO report you pull, I am between 710-725.

Good luck!

[elaine829]

When I applied for citi just a month ago I had 5 inquires on my equifax which citi pulled. 3 of them was in 8/08 and the others was earlier this year.  I had one baddie from 05 which  was a charge off with a 0 balance.  I ended up with a 1000 credit limit and a 19% interest rate. Neither is good. But now I have a prime card and if I pay off my balances I don't have to worry about the interest rate.