Hi
I'm 20 years old and care about my credit.
I just finshed with at@t and they hard pulled me. Because I'm a new customer.
My qiestion to you guys is. Here's my credit history . When I was 18 i apples for a capital one card , DENIED . Then a Macy's card denied . Then 19 applied for a discover and a amex approved . Total of 5 hard with the atandt . Is his bad . I want to have good credit in the future . I hate hard inqu
how will this affect me . Current score is 740
I'm 20 years old and care about my credit.
I just finshed with at@t and they hard pulled me. Because I'm a new customer.
My qiestion to you guys is. Here's my credit history . When I was 18 i apples for a capital one card , DENIED . Then a Macy's card denied . Then 19 applied for a discover and a amex approved . Total of 5 hard with the atandt . Is his bad . I want to have good credit in the future . I hate hard inqu
how will this affect me . Current score is 740
@Lebronjames20 wrote:
Hi
I'm 20 years old and care about my credit.
I just finshed with at@t and they hard pulled me. Because I'm a new customer.
My qiestion to you guys is. Here's my credit history . When I was 18 i apples for a capital one card , DENIED . Then a Macy's card denied . Then 19 applied for a discover and a amex approved . Total of 5 hard with the atandt . Is his bad . I want to have good credit in the future . I hate hard inqu
Out of curiosity, where did you get your 5 hard inquiries number from?
@Anonymous wrote:
@Lebronjames20 wrote:
Hi
I'm 20 years old and care about my credit.
I just finshed with at@t and they hard pulled me. Because I'm a new customer.
My qiestion to you guys is. Here's my credit history . When I was 18 i apples for a capital one card , DENIED . Then a Macy's card denied . Then 19 applied for a discover and a amex approved . Total of 5 hard with the atandt . Is his bad . I want to have good credit in the future . I hate hard inquOut of curiosity, where did you get your 5 hard inquiries number from?
Capital one, Macy's, discover, Amex, AT&T. OP, this is more a general credit topic. However, they all don't pull the same report. I would pull your free annual reports, and see what is on each one.
Don't sweat them, you're new to credit and FWIW most people rack up more than 5 inquiries across 3 reports (well likely 7 in your case because of Cap 1 - Imperfect has it right, not all of them would wind up on one report).
Ain't no big thing as they fall out of scoring range anyway in a year, very minor ding to begin with comparitively.
@Lebronjames20 wrote:
Hi
I'm 20 years old and care about my credit.
I just finshed with at@t and they hard pulled me. Because I'm a new customer.
My qiestion to you guys is. Here's my credit history . When I was 18 i apples for a capital one card , DENIED . Then a Macy's card denied . Then 19 applied for a discover and a amex approved . Total of 5 hard with the atandt . Is his bad . I want to have good credit in the future . I hate hard inqu
As others have said, you're doing great.
It's probably a good thing that you worry about having five HPs. It shows you're consciencious and paying close attention and you're off to a much better start than a lot of 20 year olds! Congrats to you. They're right though that in your circumstances you don't need to worry about five HPs (which sound as if they may be split between the bureaus in any case). Those HPs are having very very little effect on your score and most lenders wouldn't be bothered by them.