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Established Contributor
thankfulheart
Posts: 618
Registered: ‎09-26-2011

Who is inquiry sensitive?

Trying to plan my strategy, but am looking to app in a few months for:

 

Lowes

NFCU Cash Rewards

USAA AMEX

 

What order should I app in for inquiry sensitivity?  I will have 7 on TU, 8 on EQ, 10 on EX.  Each will have only 3 within the last year, however.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: Who is inquiry sensitive?

I don´t have much exp with usaa or nfcu but i could tell you that lowes takes inquiries like a champ.

Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
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Valued Contributor
DaveSignal
Posts: 1,973
Registered: ‎07-29-2011

Re: Who is inquiry sensitive?

None of those places care about your inquiries.

 

If you were apping with PenFed, then you would need to have no inquiries.

EQ:701 TU:745 EX:694
Barclays Arrival $6.5k - BoA Travel Rewards $15k - SDFCU EMV $15k - NFCU goRewards $20k - CSP $5k - Amex ED $6.5k
Established Contributor
searchingfor67
Posts: 668
Registered: ‎08-02-2011

Re: Who is inquiry sensitive?


DaveSignal wrote:

None of those places care about your inquiries.

 

If you were apping with PenFed, then you would need to have no inquiries.


+1...Concur with this post. Additionally, USAA and Navy Fed typically pull Equifax for there credit products, and Lowes pulls Transunion...

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Who is inquiry sensitive?

Navyfed and usaa both pulled tu on me and im in MA....
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Who is inquiry sensitive?


jsickz32 wrote:
Navyfed and usaa both pulled tu on me and im in MA....

When I apped for NFCU in march, I had over 15 inqs on TU, which they pulled.   I was approved for 22k, with no problems.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

Re: Who is inquiry sensitive?

USAA pulled EQ for me and Lowe's pulled TU.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 698 (my FICO 07/08/14) TU: 693(07/08/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Who is inquiry sensitive?

@webhopper and i thought i had a lot in tu with 6 lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Who is inquiry sensitive?


jsickz32 wrote:
@webhopper and i thought i had a lot in tu with 6 lol

Hehe, I'm up to 19 now! 

 

Seriously, about 15 of these was from my horrible mortgage process.  I had to go through 5 different lenders, some of these lenders pulled credit up to 5 times


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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