No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Are you guys referring to within the last year, where they count, or within the last 2 years where they're seen?
I think its for last 2 Years. How many do you have?
AoA? Sorry, not sure what that is.
Average age of accounts
@newUser0 wrote:Average age of accounts
Ah! two years. I started with Cap One.
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.
Wow!! was that instant approval?
@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
@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
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.