topic Re: Lenders NOT Inquiry Sensitive ?? in Credit Cards

Lenders NOT Inquiry Sensitive ??

MrCarlCC — Thu, 20 Apr 2023 18:07:24 GMT

What are some recs for non-inquiry sensitive lenders ?

Stats:

Scores: 770-800

INQs: A lot ! Lol (4-5 EQ, 10 TU & EXP all within 6 months, mostly for auto loan, but some CC)

Income: $200k

NO Derogs

AAofA: 25 years

UTIL: 9% overall on $150k CLs

Looking for a high limit card for BT !

Any advice is appreicated kindly !

Re: Lenders NOT Inquiry Sensitive ??

WildestDreams — Thu, 20 Apr 2023 18:39:29 GMT

For the Auto loans were they or a bunch of them done within a few weeks of each other? if so my understanding is they usually count as 1

Re: Lenders NOT Inquiry Sensitive ??

Cowboys4Life — Thu, 20 Apr 2023 20:14:45 GMT

@WildestDreams wrote:
For the Auto loans were they or a bunch of them done within a few weeks of each other? if so my understanding is they usually count as 1

They count as 1 for FICO scoring purposes. It does not mean that a potential creditor for a card or loan won't count them individually.

Re: Lenders NOT Inquiry Sensitive ??

FireMedic1 — Thu, 20 Apr 2023 22:29:25 GMT

@MrCarlCC wrote:
What are some recs for non-inquiry sensitive lenders ?

Stats:

Scores: 770-800
INQs: A lot ! Lol (4-5 EQ, 10 TU & EXP all within 6 months, mostly for auto loan, but some CC)
Income: $200k
NO Derogs
AAofA: 25 years
UTIL: 9% overall on $150k CLs

Looking for a high limit card for BT !

Any advice is appreicated kindly !

What was the time frame for the auto pulls?

Re: Lenders NOT Inquiry Sensitive ??

Puppetmaster — Wed, 26 Apr 2023 08:43:10 GMT

@MrCarlCC wrote:
What are some recs for non-inquiry sensitive lenders ?

Stats:

Scores: 770-800
INQs: A lot ! Lol (4-5 EQ, 10 TU & EXP all within 6 months, mostly for auto loan, but some CC)
Income: $200k
NO Derogs
AAofA: 25 years
UTIL: 9% overall on $150k CLs

Looking for a high limit card for BT !

Any advice is appreicated kindly !

I have had recent new card approvals despite high inquiries (8-12). Scores are in the 750-765 range, utilization before new approvals was around 12%, income moderately lower than yours. Approvals were received from WaFd (where I also have several checking accounts for business, personal, estate and trusts), Bank Of America, Citi, CareCredit. These 4 new approvals totaled $50,000. The Bank Of America and Citi cards have 0% BT offers.

Re: Lenders NOT Inquiry Sensitive ??

Aim_High — Wed, 26 Apr 2023 21:05:18 GMT

@MrCarlCC wrote:
What are some recs for non-inquiry sensitive lenders ?

Stats:

Scores: 770-800
INQs: A lot ! Lol (4-5 EQ, 10 TU & EXP all within 6 months, mostly for auto loan, but some CC)
Income: $200k
NO Derogs
AAofA: 25 years
UTIL: 9% overall on $150k CLs

Looking for a high limit card for BT !

Any advice is appreicated kindly !

I'll tag @M_Smart007 as his data points make your 4-5 EQ and 10 TU/EX look like child's play! He's a rock star! But he has managed to stay successful in overall approvals, so he may have some good tips.

* March 2023 approval posting - 37 inquiries and 18/24 new accounts. 80+ open accounts.

Re: Lenders NOT Inquiry Sensitive ??

SUPERSQUID — Thu, 27 Apr 2023 20:23:27 GMT

The following lenders gave me 2 cards with 20 plus inqs, low income in the 30's, and a bk7 on my reports

NFCU Cash Rewards 3700 sl 12/2021, cards limit is now 15,700

NFCU Platinum, 1000 sl 4/2022, cards limit is now 9000

Penfed Power Cash Rewards 7500 sl 12/2021, cards limit is now 10000

Penfed Gold 7500 sl 8/2022, limit still 7500, i never asked for a cli

Discover IT Cashback 3000 sl 6/2021, cards limit is now 6500

2nd Discover IT Cashback 6000 sl 7/2022, cards limit is still 6000

All of those cards came with bt offers and the Penfed and Discover cards will continue to give you bt offers after the first one, ymmv