Were You Approved w/Many Inquiries 12mos??

[Anonymous]

Not sure if this should be moved or not but I was wondering about which of you were approved for a new account with lots of inquiries?? Which bank/card, score and how many inquiries when applied?? I have 28 inquiries on my EQ and it's pretty much frozen from here on out due to 5-8 inquiries from Nfcu and Penfed alone this year. I wouldn't consider apping for anything else due to the inquiries so I am gardening. I wasn't aware that Navy pulled a new report for everything. Lol Oh well....I was approved for Navy Amex Rewards with 18 Inq's TU pull 05/11 and CLI on GoRewards same day EQ 26 inquiries, then denied CLOC CLI 27 Inqs EQ.

What are your Inquiry success stories?

[sdsoccerdad]

I probably had about as many inquiries as you when I started getting in with Amex but was only getting $1000 credit lines.  I'm at about 17 total now and was approved for the Amex Ed for $8000.  Few things. I'm thinking the inquiries dropping off and also maybe having more history with them now.  I would let some drop off and try to get under 20 to see what happens there.  Some here may recommend lower though..

[bizarrocreditworld]

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@Anonymous wrote:
Not sure if this should be moved or not but I was wondering about which of you were approved for a new account with lots of inquiries?? Which bank/card, score and how many inquiries when applied?? I have 28 inquiries on my EQ and it's pretty much frozen from here on out due to 5-8 inquiries from Nfcu and Penfed alone this year. I wouldn't consider apping for anything else due to the inquiries so I am gardening. I wasn't aware that Navy pulled a new report for everything. Lol Oh well....I was approved for Navy Amex Rewards with 18 Inq's TU pull 05/11 and CLI on GoRewards same day EQ 26 inquiries, then denied CLOC CLI 27 Inqs EQ.

What are your Inquiry success stories?

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I have a lot more inquiries than you and have been approved for State Farm (twice) - TU, Navy Fed - TU, NYMCU - TU, Banco do Brasil - EX, HSBC (twice) - EQ, Discover - EQ, and the Marvel Visa - TU. Scores have remained steady - EQ: 722, TU: 736, EX: 724.

Some lenders genuinely don't care about inquiries if you have the profile and income to back it up.

[Anonymous]

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@bizarrocreditworld wrote:

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@Anonymous wrote:
Not sure if this should be moved or not but I was wondering about which of you were approved for a new account with lots of inquiries?? Which bank/card, score and how many inquiries when applied?? I have 28 inquiries on my EQ and it's pretty much frozen from here on out due to 5-8 inquiries from Nfcu and Penfed alone this year. I wouldn't consider apping for anything else due to the inquiries so I am gardening. I wasn't aware that Navy pulled a new report for everything. Lol Oh well....I was approved for Navy Amex Rewards with 18 Inq's TU pull 05/11 and CLI on GoRewards same day EQ 26 inquiries, then denied CLOC CLI 27 Inqs EQ.

What are your Inquiry success stories?

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I have a lot more inquiries than you and have been approved for State Farm (twice) - TU, Navy Fed - TU, NYMCU - TU, Banco do Brasil - EX, HSBC (twice) - EQ, Discover - EQ, and the Marvel Visa - TU. Scores have remained steady - EQ: 722, TU: 736, EX: 724.

Some lenders genuinely don't care about inquiries if you have the profile and income to back it up.

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I agree with you. I think certain scores get a pass. I am under 700 a cross the board. I need to get above 700 to strengthen my profile. Income is fine ($87k) Utilization around 14%

[TaperRandy]

Inquiries for me are the biggest head scratcher. TU shows me with 15 inquiries over two years. They are legit, as I was building my business brand at that time. However, EX showed only 5 and get this...EQ...0. Yes...no inquiries reported to EQ. These are all reports straight from the individual bureaus that I maintain paid membership monitoring for. I don't know how this helps you, but it is my situation as I know it. 

[Anonymous]

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@TaperRandy wrote:

Inquiries for me are the biggest head scratcher. TU shows me with 15 inquiries over two years. They are legit, as I was building my business brand at that time. However, EX showed only 5 and get this...EQ...0. Yes...no inquiries reported to EQ. These are all reports straight from the individual bureaus that I maintain paid membership monitoring for. I don't know how this helps you, but it is my situation as I know it. 

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What I'm trying to get everyone to share is: What card were you approved for despite having several inquiries in the past year.

[fltireguy]

I probably have at least 25 inquiries on each of all three bureaus in the last 12 months. I haven't had any issue with approvals. 5/3, Commerce, Navy, and others have had no issue handing me out $7 to $15 K limits out of the gate. Commerce $15k, 5/3 $15k,&$6k, Navy $12.9k(3rd card with them), BMO Harris $6k, Synovus $8k, BBT $6.5k, DCU $7.k, Sync/Cathay Pacific Visa $6k.. and so on

[Anonymous]

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@fltireguy wrote:
I probably have at least 25 inquiries on each of all three bureaus in the last 12 months. I haven't had any issue with approvals. 5/3, Commerce, Navy, and others have had no issue handing me out $7 to $15 K limits out of the gate. Commerce $15k, 5/3 $15k,&$6k, Navy $12.9k(3rd card with them), BMO Harris $6k, Synovus $8k, BBT $6.5k, DCU $7.k, Sync/Cathay Pacific Visa $6k.. and so on

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Those are a great deal of victories on your end. Congrats on all. What are your scores? On paper, I have good utilization, good income, and only baddie is a CH7 from 2012. Everything has been perfect since 2012. Denied 5/3rd Bank CC too many inquiries last 6mos 03/2018. Denied US Bank, too many inquiries last 6mos 03/2018.

[AverageJoesCredit]

Got approved for 3rd Navy card, 18 hps showing , one from Boa like days before. Most of my inquiries end up being TU so I feel I'm still in my newbie stage lol.

Not all Ficos are created Equal- AJC 2018