Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 23
Registered: ‎12-04-2016
0

700 club means nothing

I finally hit over 700. Ex is 703, eq is 704 and tu is 714. Sad thing I have to many inquiries. 19, 33 and 40. My score is not good to anybody. I rather have 650 with 3 inqs. That is what I mean 700 is nothing. I only have myself to blame for trying so hard to build credit with history. Just when I hit 700 on all 3 and can't app on anything. Sad sad sad.
Established Contributor
Posts: 867
Registered: ‎08-12-2012
0

Re: 700 club means nothing


Credittony wrote:
I finally hit over 700. Ex is 703, eq is 704 and tu is 714. Sad thing I have to many inquiries. 19, 33 and 40. My score is not good to anybody. I rather have 650 with 3 inqs. That is what I mean 700 is nothing. I only have myself to blame for trying so hard to build credit with history. Just when I hit 700 on all 3 and can't app on anything. Sad sad sad.

40 inqueries at 1 CRA...sounds like you have been apping too much...JMHO! Most inqueries I've ever seen at 1 CRA on my report was 6, which is why I went into garden.



TU fico08=804 2/22/17
EX fico08=809 2/22/17
EQ fico08=818 2/22/17
In the Garden until 2/11/2017
Garden since 8/11/2016


















Valued Contributor
Posts: 2,322
Registered: ‎05-27-2015

Re: 700 club means nothing

Your scores are fine and your inqs don't mean much. Have you guys missed members here with well over 150 inqs across all reports with a half million or more in trade lines?
OP sounds like you're trying to force those approvals. Give it a rest for a while and let your CRs cool off. In six months, you'll be good to go. It's really not that difficult.

You'll realize soon enough those inqs don't hold water. Lol
7/27/15 FICO 8 EX (730) TU (679) EQ (668)
current FICO 8 EX (764) TU (774) EQ (748)

1.8yrs AAoA
Inqs (EX)23(EQ)19 (TU)15
Frequent Contributor
Posts: 299
Registered: ‎12-13-2015
0

Re: 700 club means nothing

You sound as impatient as me.  I went through 20 credit cards in 2 1/2 years.  Have 9 now.  Stay in the garden and watch your score grow while your inquiries fall off.  I have 5 inquiries left.  4 fall off by April, the last in October.  My credit score is 782 and I am proud of it.  I really don't need another credit card but the challenge is addictive.  I've got twice as much revolving credit than my yearly income.  I would rather be in the 700s and have many inquiries than be in the 600s with few.  Just stay in the garden a while.

New Contributor
Posts: 61
Registered: ‎10-08-2015
0

Re: 700 club means nothing

 You just have to be patient now and let time be your ally! For now just go for SP CLI rush wherever you can. My last INQ Jan st. TU for BOA CLI.  I have 13 INQ Ex (3 total 2016 last one 9-2016) 9 INQ TU and 4INQ EQ. I know I'm done for the year and I'm targeting only SP for CLI JET BLue in march 1st and 3X SP CLI AMEX in May. 

 

AAOA 3 years 3% Util $207,000 total CL.

Established Member
Posts: 23
Registered: ‎12-04-2016
0

Re: 700 club means nothing

Should I bypass 3x cli with amex coming March. 19 inq on ex.
Valued Contributor
Posts: 2,322
Registered: ‎05-27-2015
0

Re: 700 club means nothing

Why would you do that? It's a SP. They'll either give you one or deny it.
7/27/15 FICO 8 EX (730) TU (679) EQ (668)
current FICO 8 EX (764) TU (774) EQ (748)

1.8yrs AAoA
Inqs (EX)23(EQ)19 (TU)15
Senior Contributor
Posts: 3,050
Registered: ‎11-11-2015
0

Re: 700 club means nothing


Credittony wrote:
Should I bypass 3x cli with amex coming March. 19 inq on ex.

Amex doesn't care about inquries. I just got an auto CLI from them with 21 inquries on my Experian. From 3k to 9k without even asking.

AMEX BCE $9000- DCU Platinum $10000- Chase FU $11700- AMEX EDP $15000- NFCU CLOC $15000- Penfed Promise $25000- NFCU Go Rewards $27100- Venture $27750 **As of 2/10/17** EX- 747(21) TU- 750(17) EQ- 728(12) UTI 5%- Clean Files
AAOA: EX (1.8 YRS) TU (2.1 YRS) EQ (1.3 YRS)
Valued Contributor
Posts: 1,590
Registered: ‎01-10-2016

Re: 700 club means nothing

I had a 720 and was approved by chase for 40k? BofA for 8k?, NFCU for 20k? And blispay (at the time) for $4.4k?.

I had 60+ inq on EX, 55+ on TU, 50+ on EQ... it's not the Inq as Gmood said, you just have to time it correctly.
Valued Contributor
Posts: 3,785
Registered: ‎04-11-2016
0

Re: 700 club means nothing


Credittony wrote:
I finally hit over 700. Ex is 703, eq is 704 and tu is 714. Sad thing I have to many inquiries. 19, 33 and 40. My score is not good to anybody. I rather have 650 with 3 inqs. That is what I mean 700 is nothing. I only have myself to blame for trying so hard to build credit with history. Just when I hit 700 on all 3 and can't app on anything. Sad sad sad.

Just let your inquries age and they'll stop impacting your score and mattering within a year, probably less.  On the time line of credit which is very long, inquiry aging is an extremely short amount of time compared to many other factors that can hold back a score for significantly longer.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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.