How many inquiries is too much?

[CreditGuy03]

I just got a mortgage and the day after closing I went on an app spree. I applied at 7 different places two approved me. My CU and Home depot and the others(GEMB-Lowes, Best Buy, American Express etc) stated that I had too many inquiries.

My inquiries stem from obtaining a mortgage.; I have about 12 inquiries total in the past 2 years. How is that too much?

My scores are 696 ex, 684 TU, 674 EQ

[haulingthescoreup]

Well, now you probably do have too many inquiries, but when this happens after mortgage shopping, point out to them that most inqs were for that, and you really weren't buying 8 different houses.

Their computers count inqs without noticing that they are for mortgages. So six inqs for CC's would be too many, while 6 inqs for a mortgage would not.

You can still try asking for a recon, but now the CC inqs will display, so no telling if that will work.

When you apply for anything, that inq hits that very moment. I once had to untangle an app over the phone with a BofA CSR. When I pulled a full EX at the end of the phone call, it was displaying.

[Anonymous]

Try to sort out the INQ's by CRB. It may not be too late to recon your apps, but we really need to know what is showing up where.