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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
Message 11 of 69
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
Message 12 of 69
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
Message 13 of 69
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
Message 14 of 69
Valued Contributor

Re: 100 Apps in a day

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


AX BCP 15k, AX SPG 1k, AX Hilton Ascend 6k (AU), BC Arrival+ 15k, BC AA Aviator 4K, AKUSA FCU -10k , Discover (2) 11k , Kohls-4k, CHASE Amazon Prime VS 500, BofA AK Air Siggy 9.8k, BofA Secured $500, Synchrony E-bates Visa $3.9k, PFCU Plat Rewards Siggy 39.5k, NFCU Go Rewards 31k, NFCU Flagship 40k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $4k,Target 1.4k, Ulta MC Comenity 3k, Pay Pal 1k, CO Venture One 23k, 225k total available credit. Utiliz-2%, Current FICO EQ-707, EX 702,TU 715 Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 15 of 69
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.
Message 16 of 69
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 .
Message 17 of 69
Senior Contributor

Re: 100 Apps in a day

Too***
Message 18 of 69
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
Message 19 of 69
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
Message 20 of 69