Established Contributor
Posts: 1,045
Registered: ‎12-30-2007

Re: nordies

[ Edited ]
and that was for a cli not for a new newest acct is 6 months old that number was for equifax..tu i think i have 3 and experian about 5 all over a 2 yr period with some of them scheduled to drop this year.
Message Edited by bamagirl1 on 02-05-2009 02:01 PM
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Epic Contributor
Posts: 22,067
Registered: ‎10-23-2007

Re: nordies

I just feel like you could talk your way around inquiries if you talked to a live rep if the application happen to be declined.
Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007

Re: nordies

Just want to point out to everyone that it only matters how many inqs you have on the report which is pulled.

So if EQ is pulled (and my understanding is that Nordie's commonly pulls EQ), they will only see your EQ inqs. Same for the other two. Now if you app with someone like Cap One, who typically pulls all three, they will see them all. Obviously, any bureau will see new accounts which report to them, whether the inq came from them or not.


Oh, and to add: remember that inqs only affect your FICO score for one year, but they display on your full reports for two years. Whether or not a lender is bothered by a 15-month-old inq is pretty random, but just remember that they will see those inqs from month 13 - month 24, even if they're not counted against you for scoring, and if they don't show on your myFICO reports.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+