If I am not looking for a house or a car in the future (or one-offs like a HELOC or private student loans too admittedly), I don't care. At all. That's with my being a dirty file too.
Fact is I've been approved for everything except for a 5/24 denial from Chase, and I leveraged my credit more in the last year than is typical for me... got mortgage, stopped caring. Now that I may want to move, I am caring and it's got to be something darned useful like a Schwab debit card for overseas travel to get me to take another inquiry. Always have a reason for an application, and if there's something higher priority than a credit card or similar, focus on that is my modus operandi.
This is with mortgage pulls deduped, raw actual count is somewhat higher (+4 on every 2 year count, +1 on EQ 1 year count as well).
EQ = 4, TU = 1, EX = 5
EQ = 7, TU = 6, EX = 10
I don't have that many fingers and toes!
in 2 years around or at 30 on each
Most come off at the end of this year. Ive been a good boy and only did Navy (which is a must), BofA, and 2 CITI cards in January.
Total of 4 INQ since 2014 (Chase, CapOne, Barclaycard and Synchrony). Planning to app for at least two more cards this year since I got my eye on Chase again as well as Amex.
13-14 on each report. Getting more doesn't seem to affect my score that much anymore.
Not certain there's a penalty above 6 TBH (within a year that is, inquiries beyond a year don't count score wise of course). I haven't racked up enough data personally but I did note a non-trivial drop at 6 inquiries explicitly for FICO 8, and another individual who has tested inquiries far more than I ever will stated 6 was basically as bad as it gets so I suspect that data is pretty solid.