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Amount of INQ?

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chosen4th
Contributor

Amount of INQ?

Im going to take a stab at a Barclay card, but within the next couple months i want to try a personal loan with lending club who pulls TU as well.. as of right now i have 5 inq, 2 in 2012, then the other 3 in '13 in Feb, March & august, so two are almost a year old.. think im ok to pull another INQ?

Message 1 of 12
11 REPLIES 11
myjourney
Super Contributor

Re: Amount of INQ?


@chosen4th wrote:

Im going to take a stab at a Barclay card, but within the next couple months i want to try a personal loan with lending club who pulls TU as well.. as of right now i have 5 inq, 2 in 2012, then the other 3 in '13 in Feb, March & august, so two are almost a year old.. think im ok to pull another INQ?


INQ's alone is not enough info for anyone to say yay or nay...sorry 

Fico Scores?

Baddies?

Other loans, mortgage, etc etc?

AAoA?

UTL?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 12
gdale6
Moderator Emeritus

Re: Amount of INQ?

You are probably okay to go ahead and app as far as inq are concerned

Message 3 of 12
chosen4th
Contributor

Re: Amount of INQ?


@gdale6 wrote:

You are probably okay to go ahead and app as far as inq are concerned


yeah thats what i was asking.. thanks

Message 4 of 12
chosen4th
Contributor

Re: Amount of INQ?

did it and got the 10 days.. should i call soon or wait for the online approval status to run its course?

Message 5 of 12
myjourney
Super Contributor

Re: Amount of INQ?


@chosen4th wrote:

@gdale6 wrote:

You are probably okay to go ahead and app as far as inq are concerned


yeah thats what i was asking.. thanks


Getting a loan would come before any CC but also getting a loan will change the approval odd of getting a card 

Thus more info needed if you care to share 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 12
myjourney
Super Contributor

Re: Amount of INQ?


@chosen4th wrote:

did it and got the 10 days.. should i call soon or wait for the online approval status to run its course?


Jumped the gun huh 

Recon and good luck may require another HP now tho 

Good luck 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 12
chosen4th
Contributor

Re: Amount of INQ?

will they do a second HP if i recon?

Message 8 of 12
longtime_lurker
Valued Contributor

Re: Amount of INQ?


@chosen4th wrote:

will they do a second HP if i recon?


Quite possibly

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Message 9 of 12
juggalo9er
Valued Contributor

Re: Amount of INQ?

they have been known to might be tu a second time, might be another bureau def recon

Message 10 of 12
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