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number of inquiries question

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Anonymous
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number of inquiries question

what do you all think of my overall amount of inquiries? normal? too many? im heading into the garden until next year possibly 18 mos with no more app spree, looking to buy a house by then. current score is eq 644, tu 583, exp fako 610. im not looking for anymore credits for atleast another year or so. additionally, all of those mortgage lenders pulls were from my ignorance before i found myfico forums. friend of mine is a mortgage brker and he woild pull them for free for me, but he never explained that it could hurt at obtaining credit for me. in addition to these, i also went on an mini app spree last few weeks, there should be a GEMB/banana republic that hasnt been posted when i bought these reports. any opinion is appreciated! will it improve my score a year to 18 mos from now or if they fall off? i have many (most) baddies that will fall off next year during june.

 

 

 

EQ inquiries

March 26, 2012

Discover

March 26, 2012

Hsbc Bank

February 02, 2012

Credco

January 26, 2012

Caponeauto

January 25, 2012

Beacon Fcu

January 25, 2012

Beacon Fcu

August 23, 2011

Hsbc/Bsbuy

August 20, 2011

Star Furn

June 06, 2011

Cr Techinc

June 04, 2011

Settlement

 

TU inquiries

 

February 02, 2012

Sterlingmccall/Credcoims

January 26, 2012

Capital One Auto Finance

June 06, 2011

Americahomeke/Credittech

June 04, 2011

Mortgagesfir/Settlemento

 

 

Exp inquiries

AMEX

 

 

 

Inquiry Date

3/25/2012

CREDCO

 

 

 

Inquiry Date

2/2/2012

CAPITAL ONE AUTO FIN

 

 

 

Inquiry Date

1/26/2012

 

NELSON WATSON & ASSOCI

 

 

 

 

Inquiry Date

11/8/2011

 

KROLL FACTUAL DATA/060

 

 

 

 

Inquiry Date

8/3/2011

 

KROLL FACTUAL DATA/060

 

 

 

Inquiry Date

7/26/2011

CREDIT TECHNOLOGIES IN

 

 

 

Inquiry Date

6/6/2011

SETTLEMENTONE

 

 

 

Inquiry Date

6/4/2011

WORLD WIDE FINANCIAL S

 

 

 

Inquiry Date

4/19/2011

SARMA

 

 

 

Inquiry Date

1/7/2011

CAPITAL ONE AUTO FIN

 

 

 

Inquiry Date

11/24/2010

CAP ONE

 

 

 

Inquiry Date

9/30/2010

WELLS FARGO BANK

 

 

 

Inquiry Date

3/19/2010

BANK OF AMERICA

 

 

 

Inquiry Date

3/18/2010

         

 

Message 1 of 2
1 REPLY 1
Guava
Established Contributor

Re: number of inquiries question

My opinion? That looks too many to me, but I'm sure some one out there has more Smiley Very Happy Your plan of 18 month gardening period will surely fix this problem for you! Besides I don' think they hurt your score as much as you think they do; FICO scores any inquiries incurred for mortgage/auto loan purpose within 2 weeks of each other as 1 inquiry, plus inquiries is only a small part of it, so don't sweat it too much


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 2 of 2
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