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How many inquiries is too many?

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Anonymous
Not applicable

Re: How many inquiries is too many?

@Anonymous but remember that makes those count as one scorewise if they were coded correctly and also keep in mind that some credit card companies when you apply, not only does their computer seek a score, but it reads your credit report data.

 

If it sees too many inquiries it automatically denies you, like US Bank. Lol. In those situations, you can call in sometimes and point out that those were due to rate shopping and then on manual review sometimes they will then be approved, but there is no recon for some issuers, so for those you don't even get a second bite at the apple, like Capital One. In those situations the number of inquiries just causes a denial and there's nothing you can do about it. 

 

But at the same time, I don't know how good manual review would be considering the number of inquiries you have from different credit seeking events anyway. 

Message 11 of 17
coldfusion
Community Leader
Mega Contributor

Re: How many inquiries is too many?


@Anonymous wrote:

 

 

But at the same time, I don't know how good manual review would be considering the number of inquiries you have from different credit seeking events anyway. 


OP might have a bit of luck but I think we're on the same page - the profile at this point is unfortunately too weak to have a good chance of success. 

(2/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 12 of 17
Meanmchine
Super Contributor

Re: How many inquiries is too many?


@M_Smart007 wrote:

@Meanmchine wrote:

Do a search on the card you want to apply for and see what others

Good luck


"Do a search on the card you want to apply for and see what others" Think?


oopsie

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2025 All 3 reports 845 - 850(F8) F9s = all 850 but my app finger is still twitching
Message 13 of 17
M_Smart007
Legendary Contributor

Re: How many inquiries is too many?


@Meanmchine wrote:

@M_Smart007 wrote:

@Meanmchine wrote:

Do a search on the card you want to apply for and see what others

Good luck


"Do a search on the card you want to apply for and see what others" Think?


oopsie


@MeanmchineNP!

Message 14 of 17
PointsBonus
Established Contributor

Re: How many inquiries is too many?

Depends which bank








Message 15 of 17
Anonymous
Not applicable

Re: How many inquiries is too many?

Which lenders aren't as sensitive.? I have similar profile.

Message 16 of 17
Duriel
Frequent Contributor

Re: How many inquiries is too many?

Alliant credit union approved me for their 2% card with intro apr with 8 on Transunion but 4 were auto loan shopping. At some point you'll just have to click and pray. 


Message 17 of 17
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