cancel
Showing results for 
Search instead for 
Did you mean: 

How many Inq are to many?

Moderator

Re: How many Inq are to many?

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). 

 

1 Year:

EQ = 4, TU = 1, EX = 5

 

2 Year:

EQ = 7, TU = 6, EX = 10

 

 

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Valued Contributor

Re: How many Inq are to many?

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. 


EQ688
TU700
EX707

Regular Contributor

Re: How many Inq are to many?

2-EX

2-EQ

4-TU

 

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. 


FICO 8 Scores 12/2016: EX-596; TU-604; EQ-591
Current: EX-606; TU-610; EQ-601
Member

Re: How many Inq are to many?

13-14 on each report.    Getting more doesn't seem to affect my score that much anymore.

Highlighted
Moderator

Re: How many Inq are to many?


aliendroid wrote:

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.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge