Hardpulls?

[Anonymous]

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@Anonymous wrote:

And that is why I won't ever apply for Barclays or Iberia
Which lenders are inquiry sensitive and which arent?

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There's no black and white answer.

I've seen examples of barclays denying people with just 2 inquiries in the past 2 years. On the other hand, there are also examples of Barclays approving people with over 10 inquiries in the past 2 years as well. It all really depends on your overall profile. Inquiries only make up for a small portion of your overall credit score and profile. If you have a short credit history or some kind of derog on file, then lenders are going to be more stringent on other aspects of your credit profile, including but not limited to the number of inquiries you have. On the other hand, if you have a flawless and established credit profile, then lenders are more willing to overlook the number of inquiries or other minor shortcomings of your credit profile.

[efranklin23]

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@Anonymous wrote:

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@Anonymous wrote:

And that is why I won't ever apply for Barclays or Iberia
Which lenders are inquiry sensitive and which arent?

---

There's no black and white answer.

I've seen examples of barclays denying people with just 2 inquiries in the past 2 years. On the other hand, there are also examples of Barclays approving people with over 10 inquiries in the past 2 years as well. It all really depends on your overall profile. Inquiries only make up for a small portion of your overall credit score and profile. If you have a short credit history or some kind of derog on file, then lenders are going to be more stringent on other aspects of your credit profile, including but not limited to the number of inquiries you have. On the other hand, if you have a flawless and established credit profile, then lenders are more willing to overlook the number of inquiries or other minor shortcomings of your credit profile.

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+1 Good point. I'm going to note that

[Anonymous]

I must have gotten lucky with Barclays!

I am 1 year out from Ch7 BK with 12 inquiries over the last year. Barclays approved me for $1900 immediately.

[ecxpa]

Add Citi and Capital One to those that are inquiry sensitive...... I have also found local banks to be inquiry sensitive.  Barclays is one it's hard to tell about.  I got their card early in my rebuilding program and have gotten several cards since then.  I was prepared to get a notice from them that were closing my account due to so many new inquiries and credit lines.  A lot of people tell stories about how Barclays snatched their cards after applying for new credit.  So far haven't had any problems.  My CL with them is only 1K though and I charge 3-4 hundred a month; always PIF.  Hope they leave me be and even give me an auto CLI @ 6 mos which is coming up.