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how many inquiries arw too many?

Valued Member

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?
On my way! $FG
Message 1 of 35
34 REPLIES
Established Contributor

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 $10,000 | BofA Power Rewards WMC $10,000 | Discover It $10,000 | ICBC Preferred Gold UnionPay $8,000 | Local CU Visa $3,500
Message 2 of 35
Valued Contributor

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

Message 3 of 35
Established Contributor

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 $10,000 | BofA Power Rewards WMC $10,000 | Discover It $10,000 | ICBC Preferred Gold UnionPay $8,000 | Local CU Visa $3,500
Message 4 of 35
Regular Contributor

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
DISCOVER IT- 5.2K BARCLAY REWARD- 3.2K
PAYPAL REWARDS -6K VICTORIA SECRETS -1750
USAA AMEX-5.5K CITI TY PREFR 3.1K(NPSL) CHASE FREEDOM -1K
SPORTSMAN VISA- 8K AMEX ED PRFD- 8.5
Message 5 of 35
Valued Contributor

Re: how many inquiries arw too many?

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).

Message 6 of 35
Valued Contributor

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!

Message 7 of 35
Moderator Emeritus

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
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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Message 8 of 35
Established Contributor

Re: how many inquiries arw too many?


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 $10,000 | BofA Power Rewards WMC $10,000 | Discover It $10,000 | ICBC Preferred Gold UnionPay $8,000 | Local CU Visa $3,500
Message 9 of 35
Valued Contributor

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!

Message 10 of 35