Citi CLI Question & an INQ question

[Anonymous]

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@Anonymous wrote:
Sorry about the inquiry confusion. From reading these boards I thought there was a set amount of power an INQ lost after 6 now. So clearly I am backwards on that. Yes I know the 1 one year 2 year thing. But to someone who said "if they lost power at 6 months why wouldn't they fall off at 6 months?" They don't fall off after a year either. I know they are still relevant.

So my understanding was poor. I know that now.
I am able to make decent size payments each month. More than $200-$250, would just like to get a few more things off interest bearing cards.

So I prob won't get the increase but I am going to try. Will they counter?

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Yes they will counter so ask for a lot more than you really expect to get

[takeshi74]

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@Anonymous wrote:
From reading these boards I thought there was a set amount of power an INQ lost after 6 now.

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Don't assume a fixed impact for any factor.  It's not just the change that matters but one's credit profile as well.  One inquiry can have more impact for those with thin and/or poor credit profiles versus those with thicker, well established profiles in good standing.