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

[heyarrnold]

INQ -  EX: 4, EQ: 2, TU: 1

Total acounts open: 14 ( 11 CC's, 3 loans)

Total accounts closed: 5 ( Discover, Wells Fargo Secured, Cap One secured, Arrival + (twice))

[Journeygod]

Damn, I must be a lightweight!

I'm almost ashamed to post this.

Open: 9 cards

Credit: $102,150.00

Utilization: 9%

Inqs: EQ 2  EX 2  TU 1

[Anonymous]

BUMP

[Anonymous]

why feel ashamed? inquiries don't add value to one's life. you're fine in my book.

[NRB525]

EQ 5  TU 4  EX 10

7 or 8 closed accounts, two with balances still paying, 2,400

Revolving CL = $250k excluding Closed accounts, CC utilization 11.3% per TransUnion measurement protocols.

The last 4 INQ on EX (the only bureau in the last four apps), between August 12 and October 28, each INQ had zero change to my score. The pile-on of INQ reaches a point where adding another of the same thing has less impact. Still some, but less impact than the first one. In many lender's eyes it still can have impact, sometimes.

[Country_Feller]

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@Anonymous wrote:
why feel ashamed? inquiries don't add value to one's life. you're fine in my book.

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I agree.

[Anonymous]

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@Anonymous wrote:

Wow, $77k in debt.

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This is really what stood out to me in the post. The anxiety is real.

Otherwise, EX: 9 TU:4 EQ:2

$139,800 total credit lines

5 yr AAoA

10% Util on 0% promos

[vegastim13]

Yea, I have quite a lot of Inqs from car buying and the 7 credit lines I've opened up recently. It felt like after 10, it doesn't matter much anymore as far as scoring goes. A lot of them being recent would probably scare away any CCC who I tried to apply for within the next few months, but as others said it really is a small portion of your actual score.

[Anonymous]

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@Anonymous wrote:

Wow, $77k in debt.

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Not necessarily. Utilization is based on what reports at statement cut. They may simply be PIFing after statement cut rather than prior to.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Wow, $77k in debt.

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Not necessarily. Utilization is based on what reports at statement cut. They may simply be PIFing after statement cut rather than prior to.

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While you can argue this case, the overwhelming statistics in the US indicate that this is probably not the reality.