How many INQ is too many for Amex BCE?

[rushx2112]

And do they count less after 6 months or only after a year?

[09Lexie]

Against your FICO, 1 year. Too many depends on your cr.

[rushx2112]

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@09Lexie wrote:
Against your FICO, 1 year. Too many depends on your cr.

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No derogs, haven't pulled FICO but Credit Sesame says I'm at 725, 5 INQ Feb and older

[09Lexie]

Do you mind sharing your cr profile? Current cc's?

[rushx2112]

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@09Lexie wrote:
Do you mind sharing your cr profile? Current cc's?

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Orchard 3k 4y

BOA 123 5k 1y

Discover 2.5k 10mo

DCU 3k 5mo

Chase Freedom 1.5k 5mo

No mortgage or car loan

[kobe2012]

I had 18 inquiries on EX, 9 the first 4 months of this yr when I got approved for BCE in april

[09Lexie]

You should be fine.

[Purdue-BearsFan]

It all goes by how your "thick" (or thin) your credit report is.  You can have 15 hard pulls but if you have 20 years of solid credit data, it won't even be a factor in the FICO algorithm.  If you have 2 hard pulls in a year and a year of credit data, you will have "too many inquiries"... 

[takeshi74]

Right.  As always, it's not just one variable.

[armbenderc]

I think I have about 14 when I got the BCE.