Lenders that are not inquiry sensitive

[debsunshine]

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

[Anonymous]

Amex is not known to be particularly inquiry sensitive. Chase isn't either, but it's still more inquiry sensitive than Amex.

[debsunshine]

Thanks Jaylau17 I tried Amex but no dice, they don't like something about me

[Anonymous]

Ah. Well in that case, I'd recommend Chase.

By the way, I know this isn't related to your question, but have you thought about closing your Credit One and First Premier cards? Your profile looks good enough now that you wouldn't need them anymore.

[debsunshine]

I already have the Chase Freedom and I apped for the Slate the same day but no go I guess they want a little history from me first, as far as Credit One and First Premier and First Savings they will all be chopped soon. I would like to have enough credit to replace them.

[Imperfectfuture]

First savings you might want to keep.

The 2 year old charge off is what is your biggest obstacle. Until your report is clean, that will hold you back. While gardening, have you tried good willing? The Rebuild Credit forum has lots of good advise. I didn't go crazy with prime until my reports were clean.

[Creditaddict]

Sync is not Inq sensitive typically.

Barclay although talked about they are a lot, they can also all of a sudden not be! so who knows.

[pizza1]

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@Creditaddict wrote:

Sync is not Inq sensitive typically.

Barclay although talked about they are a lot, they can also all of a sudden not be! so who knows.

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we forgot to mention Navy...LOL..

[12njoy]

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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.

[Anonymous]

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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?