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How many inquiries in two years is ok?

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mlanca83
New Contributor

How many inquiries in two years is ok?

I now have 3hp in the last two years and would like to apply for one more cc. How many inquiries in two years do letters have an issue with? Would the fourth be pushing it?

Starting Score:550
Current Score: 683 EQ 680 TU
GoalScore 720
Message 1 of 7
6 REPLIES 6
guiness56
Epic Contributor

Re: How many inquiries in two years is ok?

It really depends on the lender/creditor.  Some think one is too many and others will still approve with 10 or more.

Message 2 of 7
mlanca83
New Contributor

Re: How many inquiries in two years is ok?

Thanks Guinness. Sorry about the messages not making sense, my phone keeps auto changing words on me. So say I apply for a chase or citi, think three inquiries will get me declined?

Starting Score:550
Current Score: 683 EQ 680 TU
GoalScore 720
Message 3 of 7
RSCo
Established Contributor

Re: How many inquiries in two years is ok?


@mlanca83 wrote:
I now have 3hp in the last two years and would like to apply for one more cc. How many inquiries in two years do letters have an issue with? Would the fourth be pushing it?

Here are mine just since Jan 2013.. I app'd and was approved for 5 more cards this month..

 

Experian® Equifax® TransUnion® Hard Inquiries 

  
    
12136 
   

 

 

05/15/13Amex / CostcoTru - $5,000.00
05/20/13Citi Aadvantage Visa Signature - $5,000.00
05/21/13Visa Black Card / Barclays - $5,000.00
05/23/13Citi / Home Depot - $7,000.00
05/29/13Amex / Premier Rewards Gold - $NPSL
$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 4 of 7
mlanca83
New Contributor

Re: How many inquiries in two years is ok?

Wow, really? But what are your scores? I'm 680 and I'm sure having a higher income must have helped you get those limits, correct?

Starting Score:550
Current Score: 683 EQ 680 TU
GoalScore 720
Message 5 of 7
RSCo
Established Contributor

Re: How many inquiries in two years is ok?

My score is in my sig.. Was 714 as of 5/13/13 according to MyFico here, after this haul it dropped to 700 according to the alert I received yesterday from MyFico... Of the 5 new cards, only one has appeared on my credit report.. The 2 new amex's will be backdated to 1998. Current AAoA across all three credit agencies is 7.8 yrs.. No idea how the 2 new amex's will affect it..
$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 6 of 7
mlanca83
New Contributor

Re: How many inquiries in two years is ok?

Hmm, I think I'll take a chance and app for two more. My score would improve again after I start using the cards a little anyway. FYI you don't have a signature showing.

Starting Score:550
Current Score: 683 EQ 680 TU
GoalScore 720
Message 7 of 7
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