topic Re: How are your Inquiries looking? in Credit Cards

How are your Inquiries looking?

Duncanrr — Tue, 25 Sep 2012 20:39:46 GMT

Curious how others inquiries are looking. Here are mine (I'm not including any inquiry that is more than a year old):

4 - TU, 7 EQ and 4 EX (total 15 inquiries)

Come March 2013 I'll be 4 TU, 6 EQ and 3 EX

Come June 2013 I'll be 2 TU, 4 EQ and 2 EX. (Target for refi) (total 8 inquiries)

Edit: Oh and I hate the fact that 3/15 inquiries or 20% of my total are all due to me acquiring a Cap1 secured card.

Re: How are your Inquiries looking?

Anonymous — Tue, 25 Sep 2012 20:43:03 GMT

from this year:

ex 2 amex and bofa

eq - 1 citi

tu- 4 walmart, brandsmart, lowes, barclay

Re: How are your Inquiries looking?

Education44 — Tue, 25 Sep 2012 20:44:23 GMT

I have one for each of the credit bureaus that will fall off at the end of December.

Re: How are your Inquiries looking?

calihlove75 — Tue, 25 Sep 2012 20:47:56 GMT

TU- 9

EX- 3

EQ-2

14 total!

Re: How are your Inquiries looking?

Shogun — Tue, 25 Sep 2012 20:49:56 GMT

EQ = 0

TU = 0

EX = 2

Yup... That's how it's looking

Re: How are your Inquiries looking?

Duncanrr — Tue, 25 Sep 2012 20:54:53 GMT

@Shogun wrote:
EQ = 0

TU = 0

EX = 2

Yup... That's how it's looking

And here you are, encouraging me to app when you are so app deprived. I think someone is due for an app spree !

Re: How are your Inquiries looking?

calihlove75 — Tue, 25 Sep 2012 20:55:43 GMT

@Duncanrr wrote:
Curious how others inquiries are looking. Here are mine (I'm not including any inquiry that is more than a year old):

4 - TU, 7 EQ and 4 EX (total 15 inquiries)

Come March 2013 I'll be 4 TU, 6 EQ and 3 EX
Come June 2013 I'll be 2 TU, 4 EQ and 2 EX. (Target for refi) (total 8 inquiries)

Edit: Oh and I hate the fact that 3/15 inquiries or 20% of my total are all due to me acquiring a Cap1 secured card.

I am in the same boat, except it was HSBC (now Cap 1) I have 3 ...all on my TU (yes same credit bureau) from them over same card. I gave up disputing it.

Re: How are your Inquiries looking?

bbb3601 — Tue, 25 Sep 2012 21:11:35 GMT

When i think about my inquiries I hear.....I can see for miles and miles and miles and miles..................and miles!!!

Re: How are your Inquiries looking?

LS2982 — Tue, 25 Sep 2012 21:41:44 GMT

EX: 13

EQ: 6

TU: 7

Will be ZERO next year after I stay true to my garden!!!!

Re: How are your Inquiries looking?

Anonymous — Tue, 25 Sep 2012 22:06:48 GMT

@LS2982 wrote:
EX: 13
EQ: 6
TU: 7

Will be ZERO next year after I stay true to my garden!!!!

we'll support you while you are at the garden!!

Re: How are your Inquiries looking?

Pworld — Tue, 25 Sep 2012 22:24:35 GMT

EQ - 4 (only 1 in past 9 months)

EX - 4 (2 in past 9 months)

TU - 2 (1 in past 9 months)

I feel i have too many. Around january all my inq should fall off except 3 from my first app spree (Amex 2 n 1 hard pull, freedom, discover)

Re: How are your Inquiries looking?

Anonymous — Tue, 25 Sep 2012 22:25:02 GMT

EX-6
EQ-6
TU-6

All from a short sale I'm buying... (under contract since March)

Re: How are your Inquiries looking?

Anonymous — Tue, 25 Sep 2012 22:53:46 GMT

I have 6 now. I think that's a lot, but I tend to think that all creditors eyes watch me for screw ups.

Re: How are your Inquiries looking?

KIPPIE12 — Tue, 25 Sep 2012 23:34:45 GMT

EQ=2 EX=2 TU=1 All over 1 year old, and not counting against me now. Going on a mini spree soon though............

Re: How are your Inquiries looking?

Rhaeny — Wed, 26 Sep 2012 01:28:56 GMT

Well okay, here's mine all from this year:

EX=3

May = Credit One Bank

June= Bank of America (Denied)

Sept=Elan CC from local CU (Got 7-10 day notice...probably denied)

EQ=3

Sept=DCU (2 HP's, one for membership and one for CC)

Sept=WFNNB/Catherines

TU=3

Sept=Barclays

Sept=Walmart

Sept=JCP

I think I may have over done it so I am gardening till at least May or June next year

Re: How are your Inquiries looking?

tmbr10 — Wed, 26 Sep 2012 02:13:04 GMT

I'm not sure why the OP elected to omit inquiries older than one year. Maybe he/she will share that reason. Even though it is popular belief that Inquiries have no bearing on your FICO score after a year, creditors can still see the inquiries and factor them into credit decisions. I think its smart to keep a handle on inquiries no matter how old they are.

On to the question..... Eq = 1, Ex = 0 Tu = 0 May burn another next summer on a BCE. Hopefully that will be an Ex pull.

@Duncanrr wrote:
Curious how others inquiries are looking. Here are mine (I'm not including any inquiry that is more than a year old):

4 - TU, 7 EQ and 4 EX (total 15 inquiries)

Come March 2013 I'll be 4 TU, 6 EQ and 3 EX
Come June 2013 I'll be 2 TU, 4 EQ and 2 EX. (Target for refi) (total 8 inquiries)

Edit: Oh and I hate the fact that 3/15 inquiries or 20% of my total are all due to me acquiring a Cap1 secured card.

Re: How are your Inquiries looking?

Duncanrr — Wed, 26 Sep 2012 02:22:49 GMT

I only have 1 EX and 2 EQ that are over a year and they will be off reports by March. They main reason is that by March, my earliest refi date, they will be gone. Given the small number of they and the fact they no longer hurt my score, I decided to not list them. I have a full grasp of what is on my reports.

Re: How are your Inquiries looking?

Anonymous — Wed, 26 Sep 2012 02:45:30 GMT

EX-4 but only 1 in the last 12 months

TU-1

EQ-0. None of the ccc's in my sig seem to like to pull eq up here in MA.

Re: How are your Inquiries looking?

creditnocash — Wed, 26 Sep 2012 03:15:13 GMT

i like this thread...

well id have to pull new reports since i know that amex hit all thre cra but guesttimating

ex-5 total 4 Under a year

tu-9- 5(went crazy with ge and bank stuff)

eq 4-4

to of the eqs are bank pulls for checking and od line. and a credit card.

after feb 8th my most recent apps. 2 of my inq will completely fall off. and

4 will be over a year.

holy over 8 inquries this summer. im surprised im still in 700's.

cant wait till 2014 when my reports are free of inquries. august 30th 2014, marking my calender.

Re: How are your Inquiries looking?

CreditScholar — Wed, 26 Sep 2012 03:32:53 GMT

EX = 0

EQ = 2 (Aug. 2011 and Feb 2012)

TU = 0

I might be taking one more next month, but I'm not 100% sure on that yet. More like 90% sure.