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Valued Member
Posts: 64
Registered: ‎11-01-2012
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how many inquiries arw too many?

How many inquiries on ur credit report would be too many before they make your score drop or make u look bad?
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Established Contributor
Posts: 513
Registered: ‎12-07-2012
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Re: how many inquiries arw too many?

I have more than 30, after awhile I think it stops affecting the score. But I keep getting approved for more cards.

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: how many inquiries arw too many?


ilovelisa wrote:

I have more than 30, after awhile I think it stops affecting the score. But I keep getting approved for more cards.


I think u should stop......;-(


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
Posts: 513
Registered: ‎12-07-2012
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Re: how many inquiries arw too many?


nicholasyud wrote:

ilovelisa wrote:

I have more than 30, after awhile I think it stops affecting the score. But I keep getting approved for more cards.


I think u should stop......;-(


I know I should, but I can't help myself, i'm addicted lol

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Regular Contributor
Posts: 180
Registered: ‎12-19-2012
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Re: how many inquiries arw too many?

Some banks are sensitive some more lenient. I recon Barclay for approval today and the only question he asked was why so many inquiries. I have 15 on trans since August.
AMEX B SKY-1K AMEX PRG- NPSL USAA PLTM -6K
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USAA AMEX-5.5K CITI TY PREFR 3.1K(NPSL) CHASE FREEDOM -1K
SPORTSMAN VISA- 8K AMEX ED PRFD- 8.5
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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Re: how many inquiries arw too many?

[ Edited ]

I read somewhere (which doesn't mean it's true!) that as far as score goes, the number of inquiries is put into ranges (e.g. making these up, 0, 1-2, 3-5,6+)

so after a certain point additional ones do stop impacting your SCORE.   But, as staifokuzed relates, on a manual review, questions might be asked about the actual number (and may want details of each).

Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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Re: how many inquiries arw too many?


ilovelisa wrote:

I have more than 30, after awhile I think it stops affecting the score. But I keep getting approved for more cards.


More than 30 inqs, 11 cards in sig.  Are some inqs for other things (mortgage/loan) or are you getting rejected as well as approved!

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: how many inquiries arw too many?

After 13 they stop hurting your score.... been there! On all 3 bureaus!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Established Contributor
Posts: 513
Registered: ‎12-07-2012
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Re: how many inquiries arw too many?

[ Edited ]

bs6054 wrote:

ilovelisa wrote:

I have more than 30, after awhile I think it stops affecting the score. But I keep getting approved for more cards.


More than 30 inqs, 11 cards in sig.  Are some inqs for other things (mortgage/loan) or are you getting rejected as well as approved!


No they're all for credit cards. I'd say its been 50/50 on rejection/approval.

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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Re: how many inquiries arw too many?


ilovelisa wrote:

bs6054 wrote:

ilovelisa wrote:

I have more than 30, after awhile I think it stops affecting the score. But I keep getting approved for more cards.


More than 30 inqs, 11 cards in sig.  Are some inqs for other things (mortgage/loan) or are you getting rejected as well as approved!


No there all for credit cards. I'd say its been 50/50 on rejection/approval.


Just saw your Penfed Plat Rewards thread.  So clearly these inquires don't matter that much as Penfed is meant to be among the most conservative.  Can you try US Bank Cash Plus next!

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