topic How many inquiries do you have on your Transunion, Equifax, and Experian? in General Credit Topics

How many inquiries do you have on your Transunion, Equifax, and Experian?

kysin2014 — Wed, 15 Dec 2010 04:57:30 GMT

I am going to stop applying for credit for at least 12 months. I have soooo many inquires.

Number of Inquires:

Transunion: 16 during the past year.

Equifax: 58 during the past year.

Experian: 49 during the past year.

Keep in mind I was trying to re-establish since my ch. 13 BK discharged five months ago.

How many inquries does everybody else have? I hope I am not the highest.

Transunion FICO: 671

Equifax FICO: 635

Experian FACO: 708

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

laz98 — Wed, 15 Dec 2010 06:31:51 GMT

wow, your EQ & EX are the highest numbers i have ever seen

i have 2, 2, & 6, respectively.

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

kysin2014 — Wed, 15 Dec 2010 06:36:54 GMT

It makes me wonder what my credit scores would be if I had less than 10 inquiries on all three bureaus.

The amazing thing is that I was recently approved for the Abercrombie & Fitch credit card even with all of those inquiries.

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

llecs — Wed, 15 Dec 2010 11:26:17 GMT

Concorduser might have you beat. At one point he had 70+ on one CRA alone.

I used to have 30+, but I've been app-free lately. My inquiry count are 1 for TU, 2 for EQ, and 1 for EX. One each for those CRAs are mortgage inquiries. The remaining on EQ is from opening a checking acct. I've been good.

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

kysin2014 — Wed, 15 Dec 2010 13:06:17 GMT

Some of them were also mortgage shopping, auto insurance, phone service. It really gets me how literally everyone is pulling credit inquries just to secure some sort of service. Example: Just to have a phone line installed from Qwest Communications resulted in a hard inquiry on my credit report. The rep claimed it was just a soft inquiry which wasn't the truth. It was a hard pull.

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

MarineVietVet — Wed, 15 Dec 2010 14:56:36 GMT

I have 0, 0, and 0.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

haulingthescoreup — Wed, 15 Dec 2010 17:56:27 GMT

@jinswaz wrote:
It makes me wonder what my credit scores would be if I had less than 10 inquiries on all three bureaus.
The amazing thing is that I was recently approved for the Abercrombie & Fitch credit card even with all of those inquiries.

The score formula gives up after 5 or 6 inqs (on each report.) So unless you had more like 3 or 4 on each, you wouldn't see much difference in score. Even then, inqs don't normally do much damage, although people with long, stable, spotless history tend to get hit harder.

As it sounds like you have found, it's lenders who scramble up on a chair and scream when someone applies with umpty-billion inqs. Some don't mind, of course, but most wonder what on earth you're up to, including whether you're in financial trouble and are scrambling for credit to pay daily bills, and will one day default.

eta:

TU: 0

EQ: 1 (< 12 months)

EX: 2 (> 12 months)

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

fused — Wed, 15 Dec 2010 17:51:41 GMT

EQ: 1 (7/2010)

EX: 0

TU: 0

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

Lel — Wed, 15 Dec 2010 17:56:28 GMT

EQ 1 (Cap One)

TU 1 (Cap One)

EX 3 (Cap One and two auto loan inquiries)

Cap One inqs turn a year old in early February. The auto loan inqs are over a year old, and will fall off next August.

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

Anonymous — Wed, 15 Dec 2010 19:35:18 GMT

TU - 5

EXP - 5 (2 for checking accounts)

EQ - 3

Wow I don't like having this many!

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

Imhotrodcrazy — Wed, 15 Dec 2010 23:36:36 GMT

EX - 2 ( 1 due to drop in March 2011, 1 due to drop in Dec. 2011 )

EQ - 1 ( due to drop in Feb 2011 )

TU - 0

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

kysin2014 — Fri, 17 Dec 2010 05:51:40 GMT

Amazing that you "0" across the board!

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

kysin2014 — Fri, 17 Dec 2010 05:55:53 GMT

I also have quite a few since I have been credit limit increase requesting. Some of my credit card companies request that they pull a current hard copy of my credit report which will result in a hard inquiry on my credit report. I am thankful that two out of three gave me an increase of my credit lines.

Re: How many inquiries do you have on your Transunion, Equifax, and Experian?

titanium_bbx — Fri, 17 Dec 2010 06:37:10 GMT

Most of these are between Aug-Dec/now... today it shows:

TU - 20

Equifax- 10

So yeah, alot but it was worth it for a decent bit of credit, about 8 new accounts.