How many inquiries, cc exposure and accounts open/closed.

[Anonymous]

Thought it would be a great time to share how many inquiries you may have, cc exposure and accounts open and closed.

I have 60 inquiries on exp, 40 on TU, 40 on Eq. Total exposure is 700k, and 40 accounts open, 15 closed. Score is in the upper 7's, utilization is 11%

[Anonymous]

Wow thats alot of inquiries.

Are you still getting approvals? And what is your AAoA?

I have 15 inq on EX now, my highest, but want to apply for more CC in a few months.

[Anonymous]

Wow, $77k in debt.

[Anonymous]

Ex 9 / TU 22 / Eq 16

And I thought I had a lot. OP, I'm surprised your score is that high with so many inquiries. Gives me hope!

$247k available revolving. Owe a little over $4k  52 open / 5 closed. 

[Anonymous]

My highest is 14 inq, only have about 20k, if I count my AU 40k 16 open. As of today's less than 1% uti

[takeshi74]

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@Anonymous wrote:

I'm surprised your score is that high with so many inquiries.

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It's never just a matter of X but of one's credit profile as well.  Despite the tendency to obsess over them here, inquiries are a relatively small factor.  People tend to worry about them because a lof of people are building or rebuilding.  Inquiries can have a bigger impact for those in such a position.

[Anonymous]

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@takeshi74 wrote:

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@Anonymous wrote:

I'm surprised your score is that high with so many inquiries.

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It's never just a matter of X but of one's credit profile as well.  Despite the tendency to obsess over them here, inquiries are a relatively small factor.  People tend to worry about them because a lof of people are building or rebuilding.  Inquiries can have a bigger impact for those in such a position.

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I noticed this. When I first started rebuilding I took some pretty bad hits for inquiries. This past Sunday I did 14 HP's I actually gained more points than lost from the new accounts. AAOA is 11.5 years, but I've gained in my credit mix for sure. Utilization dropped, I'm not saying it is the same for everyone but I did notice on mine a few points increase. Especially EQ and TU. TU has been lacking for sometime with only 2 revolving accounts. 

[Anonymous]

once all my new accounts report i will have 17 open, 14 closed, between 9 and 20 inquiries depending on burea, $67,100 in total credit, less than 1% utilization except auto loan, oldest account is 6.5 years and AAoA is like 2 years and some months but idk what will happen when these new accounts report. scores range from 686 to 699 depending on burea (have some late payments from november 2014)

[tntexans72]

You want to aim higher AAOA wise...so it will take time. There are some on here that has 10+ years AAOA, me personally 8yrs AAOA across the board. AAOA will absorb the blows of inquiries.

[Anonymous]

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@Anonymous wrote:
Thought it would be a great time to share how many inquiries you may have, cc exposure and accounts open and closed.

I have 60 inquiries on exp, 40 on TU, 40 on Eq. Total exposure is 700k, and 40 accounts open, 15 closed. Score is in the upper 7's, utilization is 11%

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24 inquiries (at least 7 dropping off next year), something like 26 accounts including some student loans. And The only closed ones are like 5 loans that were bought out. Scores 740-760, utilization is 2-3% or less.  First card was care credit april 2013, first major card was april 2014, and everything in my signature post capital one is from the last 6 months.