Valued Contributor
Posts: 1,843
Registered: ‎06-16-2012

Re: How many inquiries do you have???

Give_Me_Credit_Please wrote:

Thank you for that, I really appreciate the vote of confident. I guess it comes to a certain point where I felt confident and went on an app binge. Well this year definitely no more apps. for awhile. I alreay have what I need to rebuilt. A secured Cap1 for about 1yr now, unsecured Orchard for about 2.5yr, just got a Walmart, Target and Wells Fargo secured so I think that's enough for now. As guess as my credit gets stronger, I'll be more conservative on the card choice that I apply for. I'm also looking at an auto loan as well. Oh no....more inquiries!!!

Just take care of the credit cards you have now. Walmart is known to be generous with CLI (and they are always soft pulls unless you request a HP). I also have a WF secured card for a year now and i just kept increasing the limit and not too long ago they gave me an auto CLI without having to send them money. Capital One and Target card are stingy when it comes to CLI so just keep using them and paying in full if you can.

Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).

Valued Contributor
Posts: 2,960
Registered: ‎02-09-2012

Re: How many inquiries do you have???

I stopped keeping track

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Regular Contributor
Posts: 242
Registered: ‎12-11-2012

Re: How many inquiries do you have???

Thank you for that.

Regular Contributor
Posts: 206
Registered: ‎12-20-2012

Re: How many inquiries do you have???



I have read somewhere in these forums that you can get inquiries removed from your credit reports. Have you read anything about this? Might be something to look into. Sounds like it could help you. 

Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Valued Contributor
Posts: 1,132
Registered: ‎05-17-2010

Re: How many inquiries do you have???

EQ 0, TU 2, EX 10

Posts: 86
Registered: ‎06-19-2012

Re: How many inquiries do you have???

I have about ten from April 2012 and 5 from July 2012. But all but one of those were clusters for applying for an auto loan in April and then in July again. I think those each count as one for fico scoring?

Starting Score: 539 EQ 06/19/2012
Current Score: 615 EQ 08/13/2012, 563 EX 07/27/2012
Goal Score: 700

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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012

Re: How many inquiries do you have???

I have 4-5 between July through December. I am going to get another one soon as I had to switch lenders for a mortgage we are closing on mid Feb to get additional incentives from builder. The inquiries are mixture of auto, CCs, and mortgage. Got approval for all apps. I will be gardening after I close.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014

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