cancel
Showing results for 
Search instead for 
Did you mean: 

Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

tag
Anonymous
Not applicable

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc


@Anonymous wrote:

I do have a? for dp sake. Since you had so many inq as i do , did you take a hit.

All the cards i was approved for last month did not cost me any points.I have way to many inq and do not advise anyone to have that many for a good credit health. JW


Nah, no hit. The biggest hit I had was about a 10pt drop due to increased UTIL and my mortgage reporting. I've noticed after about 15 INQ you don't really get dinged for additional ones cuz they know you're crazy lol

I have found, however, that having a very thick file (50+ accounts) really helps to balance out the INQ situation. Especially if the majority of accounts are 3+ months old and UTIL is low. I think I'm running about 12% UTIL right now which is high even though I use my cards regularly.

Message 11 of 15
Anonymous
Not applicable

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Congrats!! 

Message 12 of 15
mrcraft
Valued Contributor

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Congratulations on your approvals and CLIs!!



Message 13 of 15
Anonymous
Not applicable

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Smiley Very Happy right

Message 14 of 15
cashorcharge
Community Leader
Senior Contributor

Re: Summer Of App Spree & Approvals - Rakuten, Macy's, Home Depot, etc

Congratulations!!

Message 15 of 15
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.