Get a GRIP Banks!

[Creditaddict]

Declining someone with a 780 Fico for Inquiries only is insane... you are the very people that want to pull credit at every corner! UGH

[Anonymous]

lol sorry for the denial but that means it's garden time

[pizza1]

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@Anonymous wrote:
lol sorry for the denial but that means it's garden time

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I believe the denial was for his partner, not him...His Partner has hit a limit I believ with Citi for inquires. 

[Anonymous]

oh sorry. i don't know people on here and it didn't specify lol. be specific son!

[pizza1]

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@Anonymous wrote:
oh sorry. i don't know people on here and it didn't specify lol. be specific son!

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LOL..I only know because I read about this in biz section on another post

[B335is]

Who denied you?

[onstar]

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@Creditaddict wrote:

Declining someone with a 780 Fico for Inquiries only is insane... you are the very people that want to pull credit at every corner! UGH

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This is pretty much proof that scores alone don't mean a whole lot.

The whole scoring system needs an overhaul. I agree that inquiries have too much weight. But so does utilization (whether you pay before statement cuts or after should have ZERO effect in score, but it does). And why does using a dormant card cause you to have a ding on your score? And we can go on and on. This is why they always look at more than just your score. When one has "too many" inquiries, then the FICO is secondary (or even tertiary or quaternary or quinary or senary).

[Anonymous]

^ you just wanted to show off that you knew those words lol. google is a wonderful thing...

[Saleen099]

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@Creditaddict wrote:

Declining someone with a 780 Fico for Inquiries only is insane... you are the very people that want to pull credit at every corner! UGH

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Who and how many Inquiries are we talking about? 

[kdm31091]

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@Creditaddict wrote:

Declining someone with a 780 Fico for Inquiries only is insane... you are the very people that want to pull credit at every corner! UGH

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With all due respect, you have 95 accounts, so a denial is not surprising.

Perhaps you just need to garden. Score isnt everything, as you know. And you probably wont get approved for a new card every day or two.