Are there any CC's that are NOT Inq sensitive?

[FixMyCredit1992]

My fakos just went up from the upper 500s to the lower 700s. I went on an "app spree" and was unable to get anywhere due to limited history. So now I have a few more INQ's on my CR.

I know INQ's lower the score, but with a lower 700 fako I should be able to get approved for a regular credit card.

Are there any CC's that are easy to get with a decent score, but high INQ's?

[enharu]

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@FixMyCredit1992 wrote:

My fakos just went up from the upper 500s to the lower 700s. I went on an "app spree" and was unable to get anywhere due to limited history. So now I have a few more INQ's on my CR.

I know INQ's lower the score, but with a lower 700 fako I should be able to get approved for a regular credit card.

Are there any CC's that are easy to get with a decent score, but high INQ's?

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scores are not the only thing lenders look at.

most of your inquiries are very recent, and many lenders will deny you simply because of that, regardless of your score. There are many people, including myself, who have been declined in the past with a 750+ score simply because there were too many recent inquiries.

Like others have said many times to you............you need to stop applying for anything and let your accounts and inquiries age.

[FixMyCredit1992]

Well right now I'm "B*".

Thing is, if I can get approved with a $1,500 (or there abouts), CC I won't need to worry because I won't need a high CL for a couple more years anyway.

[gdale6]

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@FixMyCredit1992 wrote:

Well right now I'm "B*".

Thing is, if I can get approved with a $1,500 (or there abouts), CC I won't need to worry because I won't need a high CL for a couple more years anyway.

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B* cannot be discussed on this forum........

[Creditaddict]

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@FixMyCredit1992 wrote:

My fakos just went up from the upper 500s to the lower 700s. I went on an "app spree" and was unable to get anywhere due to limited history. So now I have a few more INQ's on my CR.

I know INQ's lower the score, but with a lower 700 fako I should be able to get approved for a regular credit card.

Are there any CC's that are easy to get with a decent score, but high INQ's?

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1. Why don't you spend the money to get 1 Fico score... I would get EQ or TU since I know more mid level prime banks that will pull those.  Might be surprised how FAR off it is compared to your fako's

2. How old are the 3 accounts you list in your sigi?

[FixMyCredit1992]

Since when? I searched and there are a ton of topics on it.

[FixMyCredit1992]

1. Why don't you spend the money to get 1 Fico score... I would get EQ or TU since I know more mid level prime banks that will pull those.  Might be surprised how FAR off it is compared to your fako's

2. How old are the 3 accounts you list in your sigi?

My oldest account is fingerhut from October, however most of the lenders I talked to said it does not count because it's an installment loan and not a CC. 

The oldest "card" is Wells Fargo from December.

I cannot get a fico due to the fact my TL's are not old enough.

[Creditaddict]

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@FixMyCredit1992 wrote:

Since when? I searched and there are a ton of topics on it.

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What's B?

What can't we discuss?

What I miss!~

[Anonymous]

Too many inqs, especially in a thin file, is going to be a red flag to all (good) issuers.  It can be a sign of someone desperate for credit who is likely to default, and in a file without many accounts or positive history, there is nothing to mitigate that impression.     So those inquiries need to go, whether through gardening or other means.  

[Creditaddict]

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@FixMyCredit1992 wrote:

1. Why don't you spend the money to get 1 Fico score... I would get EQ or TU since I know more mid level prime banks that will pull those.  Might be surprised how FAR off it is compared to your fako's

2. How old are the 3 accounts you list in your sigi?

My oldest account is fingerhut from October, however most of the lenders I talked to said it does not count because it's an installment loan and not a CC. 

The oldest "card" is Wells Fargo from December.

I cannot get a fico due to the fact my TL's are not old enough.

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then your Fako's are really worthless... banks pull fico and if you have no report generating yet you are just throwing INQ's down the toilet... you have to sit for 6 months and let a Fico generate... then you can go off and running!