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100 Apps in a day

Valued Contributor

Re: 100 Apps in a day


Xistaben2 wrote:
I'd have to imagine every open non-amortized account you have would drop you.

The score might fair ok though. My best guess with no evidence at all, would be a drop of 50-60 points per CB if you have a good mix of pulls.

Now if you app Cap1 100 times...

Well since I do not wish my posts next week to be 800 to 350 in a day, I guess I wont try it.




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
Garden since 4/5/2017
Valued Contributor

Re: 100 Apps in a day


Xistaben2 wrote:
What would be even worse is if you got 100 approvals and Barclays didn't AA you.

Barclays has never AA me, but do not care for that card or Tdbank card much!




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
Garden since 4/5/2017
Valued Contributor

Re: 100 Apps in a day

I gotta believe the agencies have some type of shut off valve... Meaning after 15-20-25-30-whatever apps in a certain period of time they automatically freeze and deny anything further with the logic being this has to be fraud and it needs to be shut down immedietly
American Express PRG__American Express BCE__Chase Amazon__Chase United TravelBank


Valued Contributor

Re: 100 Apps in a day


12velectronics wrote:
I gotta believe the agencies have some type of shut off valve... Meaning after 15-20-25-30-whatever apps in a certain period of time they automatically freeze and deny anything further with the logic being this has to be fraud and it needs to be shut down immedietly

Probably so, now that you mention it...it would look like identity theft.




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
Garden since 4/5/2017
Valued Contributor

Re: 100 Apps in a day

This would be a great question for Ron or Credit Addict?  


AX BCP 15k, (AU on ED 7k,) BC Ring 11.5K, BC Arrival+ 9.5k, BC AA Aviator 4K, AKUSA FCU -10k , Comenity Blue Nile 11k, Discover (2) 11k , Kohls-4k, CHASE Amazon Prime VS 500, BofA AK Air Siggy 9.8k, BofA Secured $500, Synchrony Cathay Pacific Visa 9k, Synchrony E-bates Visa $2.4k, PFCU Plat Rewards Siggy 18k, PFCU Power Cash Rewards 21.5 k, NFCU Go Rewards 24k , NFCU Flagship 31.5k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $3250, Target 1k, BLIS PAY 5k, Pay Pal 1k, CO Venture 23k, 259k total available credit. Utiliz-2%, Current FICO EQ-707, EX 702,TU 715 Chapt 7 BK D/C 11-2012. Starting scores 520-550
Valued Contributor

Re: 100 Apps in a day

What I'm saying is that 100 inquires in a day probably wouldn't drop it any more than 10 or 12 in a day. After a few in a short period, they stop having an effect.
Senior Contributor

Re: 100 Apps in a day

I wouldn't want to find out lol mostly it would have an adverse effect on your accounts that are already opened , they would look at you as a HUGE risk. But as far as scores go I don't think if **you have a strong profile that it would make top much of a difference either way .
Senior Contributor

Re: 100 Apps in a day

Too***
Valued Contributor

Re: 100 Apps in a day


morgacj2004 wrote:

This would be a great question for Ron or Credit Addict?  


I think 12eletronics is probably right....after a certain number of pulls it would freeze until I called the cb




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
Garden since 4/5/2017
Contributor

Re: 100 Apps in a day

On average an inq costs me between 2 and 4 points and a new account can be anywhere from 0 to 10 points