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

[Anonymous]

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@Anonymous wrote:

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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. 

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That's true but in this poster's case he has a lot of income so it's not unrealistic for him to be doing so.

[jeffery581]

40 inquires. rep said do you realize you have 40 inquiries, I said Yes, I am looking at all three reports right now. (But I have pleny of options and other cards.) Approved  FICO 740 My credit works for me, I dont work for it now. Time to get rid of some store cards with no benifits.

[celticslegends]

I've been denied twice by Amex and and twice by Chase Since Aug/Sept because of my recent accounts and inquiries. I've been rebuilding since late 2013 and have made some huge strides this year and because of that I have been shut down my last 5 apps. I tried to take advantage of the Delta Skymiles, Marriot and IHG. I already had accounts with Amex and Chase, but they still shut me down. Amex won't even give me a cli increase and I pay my account in full every month. With respect to Amex, I have decided to take advantage of the 0% interest and will keep a balance until next November since they won't work with me. I applied for the FNBO 2% card last week and was declined as well and their only reason was because of my inquiries. All of these cards have pulled Experian. I called FNBO and told them why I have so many inquiries and they are going to take a second look at it to try and get me to an approval. So in my case, inquiries have hurt me. I'm assuming on Experian I have at least 15-17 inquiries. All of my account are paid in full each month, except moving forward I am keeping a balance on Amex. I'm not a fan of them. As far as TU and EQ, I hardly have any inquiries, but none of my recent apps have pulled from them. I wish one of them did.

[taxi818]

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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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Ok. the inquiries im overlooking.But wow. 11% util on 700k that is insane. I just wonder what your monthy payments are combined. wow.

[taxi818]

Let me see here.

inquires. Transunion 3

Equifax. 28

Experian 24

Credit Card Exposure is 132k.

Installment loans.

personal. $3600

Auto loan remaining. $23.900

util is 12 percent. about 15k total across board.

really high right now but i will bring it down before end of year.

23 open accounts. 3 closed. 2 installments paid in full. 1 closed credit card. TD Bank.