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How many inquiries is too much?

Moderator Emeritus

Re: How many inquiries is too much?


jarroldharrell1 wrote:

Ok, someone threw this point out there, but the answer never got solidified........Does the ding from the inquiry have the same weight at the 11 month mark as it does at the 1 month mark?


The damage fades over time. A 11-month old inquiry does not carry the same weigh as one added yesterday, assuming there was any damage from the inquiry to begin with. Now some in here have seen gains at 12 months but it wasn't due to the inquiry, but due to their newest TL hitting a year. I've personally seen gains a couple of different times.

Message 41 of 47
Frequent Contributor

Re: How many inquiries is too much?

Ok that's great to hear. I can't wait fof my TL's to hit a year. Right now I have 4 inquiries and 4 TL's that are 2 months away from a year status.

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Message 42 of 47
New Contributor

Re: How many inquiries is too much?

how long did it take you to go from the 500 to 800?

Message 43 of 47
Moderator Emeritus

Re: How many inquiries is too much?


homebound14 wrote:

how long did it take you to go from the 500 to 800?


A couple years or so.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 44 of 47
New Visitor

Re: How many inquiries is too much?

I don't like that the "MyFicoFinessChallenge" scores are not verified and are just self inputed. Someone with very low scores could simply put that they have high scores and give others advice. Just something to think about.. Hmm, let's see how high I'd like my scores to be...LOL! 

Starting Score: 800
Current Score: 800
Goal Score: 850


Take the myFICO Fitness Challenge
Message 45 of 47
New Visitor

Re: How many inquiries is too much?

If you don't mind me asking what is your credit limit on most of those credit cards and at what % do you keep the balance?

Message 46 of 47
Moderator Emeritus

Re: How many inquiries is too much?


pedidoc17 wrote:

If you don't mind me asking what is your credit limit on most of those credit cards and at what % do you keep the balance?


This thread is almost two years old so I'm locking it.

 

Feel free to start a new thread with questions/comments.

Message 47 of 47