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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 |
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| Inquiry Date | 3/25/2012 |
CREDCO |
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| Inquiry Date | 2/2/2012 |
CAPITAL ONE AUTO FIN |
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| Inquiry Date | 1/26/2012 |
NELSON WATSON & ASSOCI |
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| Inquiry Date | 11/8/2011 |
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KROLL FACTUAL DATA/060 |
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| Inquiry Date | 8/3/2011 |
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KROLL FACTUAL DATA/060 |
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| Inquiry Date | 7/26/2011 | ||||||
CREDIT TECHNOLOGIES IN |
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| Inquiry Date | 6/6/2011 | ||||||
SETTLEMENTONE |
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| Inquiry Date | 6/4/2011 | ||||||
WORLD WIDE FINANCIAL S |
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| Inquiry Date | 4/19/2011 | ||||||
SARMA |
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| Inquiry Date | 1/7/2011 | ||||||
CAPITAL ONE AUTO FIN |
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| Inquiry Date | 11/24/2010 | ||||||
CAP ONE |
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| Inquiry Date | 9/30/2010 | ||||||
WELLS FARGO BANK |
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| Inquiry Date | 3/19/2010 | ||||||
BANK OF AMERICA |
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| Inquiry Date | 3/18/2010 | ||||||
My opinion? That looks too many to me, but I'm sure some one out there has more 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