Reply
Contributor
Posts: 133
Registered: ‎03-06-2012
0

inquiries

after how many months the banks doesnt take serious about the too many inquiries

Frequent Contributor
Posts: 320
Registered: ‎05-17-2011
0

Re: inquiries

I would say 6-12

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Established Contributor
Posts: 825
Registered: ‎12-28-2011
0

Re: inquiries

I think its 12 months and inquiries no longer count towards FICO scoring.

Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: inquiries


dyv8914 wrote:

I think its 12 months and inquiries no longer count towards FICO scoring.



+1.  Inquiries remain visible on your reports for 2 years but are only counted in scoring for 1 year. 

 

And it varies by creditors in terms of how many inquries is too many, and also when creditors stop counting inquiries as recent ~ they might look over the past 6 or even 12 months.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Posts: 1,040
Registered: ‎02-27-2012
0

Re: inquiries

I applied for my first Chase account back in 11/2011. On my credit report on myfico, it says "you have no inquiries affecting your FICO score"

 

 

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Valued Contributor
Posts: 2,281
Registered: ‎09-16-2011
0

Re: inquiries


umut wrote:

after how many months the banks doesnt take serious about the too many inquiries


as stated below, its 1 year for fico scoring but reports for two years, but never discount that they may report excessive INQ's as the reason for denial even if its just 2, if they denied for other internal reasons they don't want to tell you. Why else would you see people getting prime cards with 6, 8, 10, or even 20 INQ's and some people are denied for having 2. 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Valued Member
Posts: 49
Registered: ‎02-01-2012
0

Re: inquiries


SwiftTone wrote:

I applied for my first Chase account back in 11/2011. On my credit report on myfico, it says "you have no inquiries affecting your FICO score"

 



FYI Chase may have pulled a different Credit Bureau so its not showing on your myFico report.  


Starting Score: TU 732 | EQ 655 | EX Plus 725 [Jan 2012]
Current Score: TU 697 | EQ 694 | EX 659 (psecu) [aPRIL 2012]
Goal Score: 760 In Aggressive paydown mode, thinking Amex BCE for 2013


Take the FICO Fitness Challenge
Established Contributor
Posts: 1,040
Registered: ‎02-27-2012
0

Re: inquiries

[ Edited ]

singulardedication wrote:


SwiftTone wrote:

I applied for my first Chase account back in 11/2011. On my credit report on myfico, it says "you have no inquiries affecting your FICO score"

 



FYI Chase may have pulled a different Credit Bureau so its not showing on your myFico report.  


 

You were right, myfico TU and EQ didn't show the inqury but my experian showed it on the report.

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Established Contributor
Posts: 608
Registered: ‎02-02-2012
0

Re: inquiries


pizzadude wrote:

dyv8914 wrote:

I think its 12 months and inquiries no longer count towards FICO scoring.



+1.  Inquiries remain visible on your reports for 2 years but are only counted in scoring for 1 year. 

 

And it varies by creditors in terms of how many inquries is too many, and also when creditors stop counting inquiries as recent ~ they might look over the past 6 or even 12 months.


Discover denied me for inquiries that were in the18-24 month range.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.