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Excessive inquiries

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Lasardo
Established Contributor

Excessive inquiries

I have 13 inquiry's nine (9) of which are from capital one bank.
I opened a card 12/11 only to receive (3) inquiry's that month, then another each month thereafter until the present. (Here and there)
I have written endless letters to capital one at many different addresses and to the credit bureaus only to receive back a generic letter pointing the finger at each other.
Please if someone could help me I would very much appreciate it.
This is causing an issue with closing on my first house.
Thanks so much for ANY advise😬
CS 728- 01/13 from 554-12/11
Goal: 800
Message 1 of 6
5 REPLIES 5
rckstrscott
Valued Contributor

Re: Excessive inquiries


@Lasardo wrote:
I have 13 inquiry's nine (9) of which are from capital one bank.
I opened a card 12/11 only to receive (3) inquiry's that month, then another each month thereafter until the present. (Here and there)
I have written endless letters to capital one at many different addresses and to the credit bureaus only to receive back a generic letter pointing the finger at each other.
Please if someone could help me I would very much appreciate it.
This is causing an issue with closing on my first house.
Thanks so much for ANY advise😬

Have you been asking/trying for limit increases??

 

 

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 2 of 6
Shogun
Moderator Emeritus

Re: Excessive inquiries

+1

 

Unless you were requesting CLIs I wouldn't see a reason at all for them to pull like that.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 6
DaBears
Senior Contributor

Re: Excessive inquiries

Message 4 of 6
Countingpennies
Established Contributor

Re: Excessive inquiries

It looks like you applied for 3 cards over 3 months time? Capital One pulls all 3 with a credit card application.
Message 5 of 6
CashOnDelivery
Established Contributor

Re: Excessive inquiries


@Lasardo wrote:
I have 13 inquiry's nine (9) of which are from capital one bank.
I opened a card 12/11 only to receive (3) inquiry's that month, then another each month thereafter until the present. (Here and there)
I have written endless letters to capital one at many different addresses and to the credit bureaus only to receive back a generic letter pointing the finger at each other.
Please if someone could help me I would very much appreciate it.
This is causing an issue with closing on my first house.
Thanks so much for ANY advise😬

Didn't you say last month you had 9 removed? Are these the same 9 you're referring to?

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/HOW-MANY-HARD-INQUIRES/m-p/2146857#M269472


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Message 6 of 6
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