Reply
Established Contributor
Posts: 1,045
Registered: ‎12-30-2007
0

Re: nordies

[ Edited ]
and that was for a cli not for a new account..my 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: 22,723
Registered: ‎10-23-2007
0

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- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
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
67 Cards and Counting :smileytongue:
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

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.

hth

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

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.