Valued Contributor
creditnocash
Posts: 2,187
Registered: ‎07-23-2012
Re: How many HP's is too many?

Dishpro wrote:
Finally after a long battle my scores are finally 700+ across the board. INQ's are EQ 5 (1 from Discover since scores up 3 within the last yr), EX 4 (1 from Discover since scores up 2 within the last year) and TU 1 from Barclays NFL Card since scores up. No score drop from the new INQ's. EQ dropped 13 pts from 724 to 711 when Barclays and Discover reported new acct TL's without reporting the CL amounts. My oldest rev acct is 20 yrs old. I would like to app for a bank credit line and a couple more rev accts to help my CL amount, which will add more zero balances to my CR. FICO loves zero balances. So, how many INQ's is too much!

depends on the bank. 

ive seen people have 30 inq across three reports. and get accepted for cl. 

i personally have 23. 20 when i apped for amex and they pulled all three of my reports. 

6 of thos inq are from auto shopping(same day)  and 5 from my bank this summer. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000