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Clean eq but high inquiries

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Moderator

Re: Clean eq but high inquiries


@NinjaManeuver wrote:

How many of them are credit card enquiries vs auto loan or mortgage enquiries.

Banks usually group multiple mortgage enq. into a single one


Auto and mortgage are 'bundled' together for FICO purposes, but they are still viewed (and counted) separately by lenders who are inquiry sensitive.

Message 11 of 13
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Established Member

Re: Clean eq but high inquiries

Thank you everyone. This is what I have.
Penfed..... 1500. Dcu.........1000
Nfcu........500. Tdecu....... 2500
Gmrewards..750. Cap1 ......500
Amex bce....3000. Hilton amex .... 3000
Merrill lynch..5000. Marvel....2000
Ebate....... 3000. CheapOair...3000
Sams mc and Lowes.. 10000. Wal-Mart 6000
Credit one .....300. Merrick...1200
Message 12 of 13
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Valued Contributor

Re: Clean eq but high inquiries


@Credittony wrote:
Thank you everyone. This is what I have.
Penfed..... 1500. Dcu.........1000
Nfcu........500. Tdecu....... 2500
Gmrewards..750. Cap1 ......500
Amex bce....3000. Hilton amex .... 3000
Merrill lynch..5000. Marvel....2000
Ebate....... 3000. CheapOair...3000
Sams mc and Lowes.. 10000. Wal-Mart 6000
Credit one .....300. Merrick...1200

Given your lineup, it seems that you would have better luck trying to grown the cards you already have (especially PenFed and NFCU).  As stated by others, Citi is INQ and new account sensitive and Chase has the 5/24 rule.  I have cards with Synchrony Bank and have been lucky enough (knock on wood) to not have received the notorious blue envelope, but I have no new accounts with them and no intention of applying for anything else with them.   You have cards that will grow for you.  Just give it some time, let the baddies age off TU and EX and you should be good.

 

Happy New Year.


Gardening till December 2019
AMEX BCP| AMEX ED| BBVA NBA AMEX| Venture| QS| BoA Cash Rewards| Barclays Rewards MC
Message 13 of 13
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