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inquiries

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clocktick
Valued Contributor

Re: inquiries

Are you guys referring to within the last year, where they count, or within the last 2 years where they're seen?

 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Message 21 of 46
newUser0
Established Contributor

Re: inquiries

I think its for last 2 Years. How many do you have?

Message 22 of 46
ccole93
New Contributor

Re: inquiries

AoA? Sorry, not sure what that is. Smiley Embarassed


From left to right: NPSL; $10k; $6.2k; $4.5k; $4k; $3.5k; $2.75k; $2.3k
Other CCs: $2.5k American Eagle Visa, $2.2k Old Navy Visa, $1.7k Amazon Store; $1.55k BillMeLater; $800 B&N CC; $750 A&F CC
Message 23 of 46
newUser0
Established Contributor

Re: inquiries

Average age of accounts

Message 24 of 46
ccole93
New Contributor

Re: inquiries


@newUser0 wrote:

Average age of accounts


Ah! two years. I started with Cap One.


From left to right: NPSL; $10k; $6.2k; $4.5k; $4k; $3.5k; $2.75k; $2.3k
Other CCs: $2.5k American Eagle Visa, $2.2k Old Navy Visa, $1.7k Amazon Store; $1.55k BillMeLater; $800 B&N CC; $750 A&F CC
Message 25 of 46
enharu
Super Contributor

Re: inquiries

most lenders seem to care about inquiries in the past 6 and 12 months, though sometimes they may also look at the whole 2 years.

 

For my case, Chase is looking at my inquiries for the entire past 2 years. They didn't care if the inquiry was 1 month, 6 months, 1 year, or 11 year 11 months. As long as its on my CR, they'll factor it into the decision process.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 26 of 46
Josh2942
Established Contributor

Re: inquiries

Approved for Chase freedom at 18 INQs and a lowes CLI to 6k from 1.5k. And walmart discover from 800 to 1.8k
Jaguar F-Type R Loan 50K Balance
Goldman Sachs Signature Loan $29,000 TU 750 score pulled at time of loan.
Student Loan Debt $1,500
Credit Card Debt $300 1>% of $166,700
FAKO Transunion 723 Equifax 744
What's in my wallet? Chase Sapphire Reserve, Chase Freedom Unlimited, and AMEX Blue for Business
Message 27 of 46
newUser0
Established Contributor

Re: inquiries

Wow!! was that instant approval?

Message 28 of 46
lg8302ch
Senior Contributor

Re: inquiries


@enharu wrote:

most lenders seem to care about inquiries in the past 6 and 12 months, though sometimes they may also look at the whole 2 years.

 

For my case, Chase is looking at my inquiries for the entire past 2 years. They didn't care if the inquiry was 1 month, 6 months, 1 year, or 11 year 11 months. As long as its on my CR, they'll factor it into the decision process.

 


Uups...So I think I should postpone my mission to try to lower APR and upgrade to a siggy on my Freedom....well 1/3 of my pulls are Chase pulls due their "loving" double pull strategy Smiley Sad 

Message 29 of 46
enharu
Super Contributor

Re: inquiries


@lg8302ch wrote:

@enharu wrote:

most lenders seem to care about inquiries in the past 6 and 12 months, though sometimes they may also look at the whole 2 years.

 

For my case, Chase is looking at my inquiries for the entire past 2 years. They didn't care if the inquiry was 1 month, 6 months, 1 year, or 11 year 11 months. As long as its on my CR, they'll factor it into the decision process.

 


Uups...So I think I should postpone my mission to try to lower APR and upgrade to a siggy on my Freedom....well 1/3 of my pulls are Chase pulls due their "loving" double pull strategy Smiley Sad 


don't base your decisions on my example. they are probably a lot more strict with me because of all the sprees i went on.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 30 of 46
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