topic Re: My credit report has 26 hard inquiries in Credit Card Applications

My credit report has 26 hard inquiries

Anonymous — Fri, 29 Jul 2016 16:11:53 GMT

My credit report has 26 hard inquiries. I got approval and 2 Discover and Amex Blue Cash everyday, but I want a Chase and denied me. In Puerto Rico Visa is accepted everywhere. Fico score 661, Experian 645, Equifax 623 and 2 collections excellent payment history. You will achieve my credit up?

Re: My credit report has 26 hard inquiries

AverageJoesCredit — Fri, 29 Jul 2016 19:28:07 GMT

Hi @ yaidyr22!. You have done great on your rebuild especially getting Discover and Amex!. I think to help boost your scores just take a break from apping, garden as they say, for awhile and just keep paying your bills on time. Let your inquiries fall off and in no time you will have more good payment history which should help your relationships with Discover and Amex and help your score. Someone with more experience can chime in on the collections part but see if you can work on those as they are probably holding down your score. Im in same boat of rebuilding but without your awesome job of getting Discover/ Amex . Time is the best healer. Keep up the good work

Re: My credit report has 26 hard inquiries

woodyman100 — Fri, 29 Jul 2016 20:31:26 GMT

26 taint nuttin'!
I've gardened DOWN to twice that on more than one occasion 😜

Re: My credit report has 26 hard inquiries

12njoy — Fri, 29 Jul 2016 20:43:50 GMT

@Anonymous wrote:
My credit report has 26 hard inquiries. I got approval and 2 Discover and Amex Blue Cash everyday, but I want a Chase and denied me. In Puerto Rico Visa is accepted everywhere. Fico score 661, Experian 645, Equifax 623 and 2 collections excellent payment history. You will achieve my credit up?

I'm afraid to tell you how many I have

Re: My credit report has 26 hard inquiries

Anonymous — Fri, 29 Jul 2016 21:04:15 GMT

What's the question here? Chase will not approve anyone who has opened 5 accounts in the past 2 years with any bank, so don't even think about getting a Chase card until all of those recent accounts are more than 2 years old. If your question is how you can get your credit score up, then the answer is to stop applying for cards, use them, and pay the bills on time over time

Re: My credit report has 26 hard inquiries

Anonymous — Fri, 29 Jul 2016 21:30:19 GMT

The question was both, but called backdoor and was approved Chase Slate with 500. One of the reasons was more than 3 cards approved in a year. But I reconsidered

Re: My credit report has 26 hard inquiries

juniornj23 — Fri, 29 Jul 2016 21:39:21 GMT

No appliques por mas tarjetas . Just wait 1 year or 6 moths . Also try to check pre approve web

Re: My credit report has 26 hard inquiries

Anonymous — Fri, 29 Jul 2016 21:44:01 GMT

Siii, ya me con esas no necesito mas nada. Necesitaba la Visa porque Amex en PR no la cogen en todos lados. So, estoy satisfecha

Re: My credit report has 26 hard inquiries

woodyman100 — Fri, 29 Jul 2016 22:48:23 GMT

@Anonymous wrote:
Siii, ya me con esas no necesito mas nada. Necesitaba la Visa porque Amex en PR no la cogen en todos lados. So, estoy satisfecha

Tu necesitas cuarenta tarjetas a vivir una vida completa!

Re: My credit report has 26 hard inquiries

Anonymous — Fri, 29 Jul 2016 22:57:39 GMT

@woodyman100 wrote:
@Anonymous wrote:
Siii, ya me con esas no necesito mas nada. Necesitaba la Visa porque Amex en PR no la cogen en todos lados. So, estoy satisfecha
Tu necesitas cuarenta tarjetas a vivir una vida completa!

¿Por qué solamente cuarenta? ¿Por qué no tener cincuenticinco para celebrar el Cinco de Mayo? ¡Adelante!

Re: My credit report has 26 hard inquiries

Anonymous — Fri, 29 Jul 2016 23:07:01 GMT

Jajajajajajajajajajajaja

Re: My credit report has 26 hard inquiries

gdale6 — Sat, 30 Jul 2016 03:58:35 GMT

Thread is locked and directed to approval here http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Update-Call-backdoor-Chase-number-and-I-have-just-approved-the/td-p/4697472