Lenders that are not inquiry sensitive

[12njoy]

Experian for me in Ohio

[gdale6]

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@Anonymous wrote:

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@12njoy wrote:

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@debsunshine wrote:

Good Afternoon All,

                                I was wondering if anyone knows of any specific lender that is not inquiry sensitive I have way too many to admit on all 3 bureaus. My credit scores are as follows: TU 696 EX 712 EQ 701 and I have one 2 year old CO on all 3 and 16 percent utilization and 100 percent on time payments on all 3. Thanks in advance for any suggestions or comments

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I know I'll be crucified for saying this but, Wells Fargo doesn't appear to be inquiry sensitive to me.  I have 19 inquiries and they still gave me a 10k cli.  Originally denied with csr and approved on recon.  When I originally got my two WF cards, I had over 13 inquiries on EX.  Not sure how CO would look to them though.  Scores look fine along with utilization.

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Who does WF pull?

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You can check the credit pulls and who gave me credit databases  to see who they are likely to pull in your state.

[ecxpa]

May be wrong........but I think the thicker your file is the less impact inquiries have on your application.  If you can show strong use of credit and have a good payment record you are more likely to get approval and higher credit limits.  Some lenders though don't seem to bend on inquiries.  I have tons of inquiries and got some of my higher credit lines with over 40 inquiries on EX and EQ.  YMMV