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inquiries

Contributor

inquiries

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

Message 1 of 9
8 REPLIES
Frequent Contributor

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)
Message 2 of 9
Established Contributor

Re: inquiries

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

Message 3 of 9
Super Contributor

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
Message 4 of 9
Valued Contributor

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: $25,000, CSP: $10,000, Chase Priority Club: $1,500, Freedom: $6000, Discover: $21,000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 5 of 9
Valued Contributor

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 6 of 9
Valued Member

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


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Message 7 of 9
Valued Contributor

Re: inquiries

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: $25,000, CSP: $10,000, Chase Priority Club: $1,500, Freedom: $6000, Discover: $21,000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 8 of 9
Established Contributor

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.
Message 9 of 9