How many pulls is a lot?

[darkfrosty]

i guess that amex doesnt like that baddie .. and those hard pulls dropped my experian to 710 while EQ and TU are much higher .. makes no sense but whatever 

I am tempted to ask chase for a cli since my csp is 2 years old .. plus really wanted to apply to chase ink for the 50k bonus that i could transfer to csp but dunno if i will get approved for the csp cli

[bs6054]

What does an issuer see on the inq?  Name of company and date?

If I were an issuer, I would want to try to match up inqs with new accounts, on the theory that a bad risk is someone applying unsuccessfully for credit (on the bad model of "If Bank X denied him, I should probably do the same").  Without that, though, you sort of get a double hit, points off for the inq and maybe points of for the new account (because of AAoA), whereas it is really just one thing.

[enharu]

I would recommend you (or your cousin) pay down the debt and let it report first before you app

[darkfrosty]

do soft pulls matter or is it only the hard pulls that I intiate? since i have no control over the other pulls ?

[bs6054]

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@darkfrosty wrote:

do soft pulls matter or is it only the hard pulls that I intiate? since i have no control over the other pulls ?

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Only hards.  Noone else sees the soft pulls.

[darkfrosty]

yea it is a stupid 18k loan ... he is going to pay it off over the next two months.

Also i called Wells Fargo about the late hit from 3 years ago and they said all i have to do is answer some questions over the phone to dispute it 

[enharu]

To bs6054, it's hard for an issuer to match because the inquiry might be for a CLI. It's impossible for them to tell if u got a CLI unless they have been pulling your report to have something to compare to

[darkfrosty]

thats good to know

[bs6054]

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@enharu wrote:
To bs6054, it's hard for an issuer to match because the inquiry might be for a CLI. It's impossible for them to tell if u got a CLI unless they have been pulling your report to have something to compare to

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Good point, so it can only go so far.  If I see a new account at the right time, I can assume the inq was for that.   If I see an inq for bank X, and you have no bank X accounts, that is a failed app.   But all the other cases there isn't enough info.

[teddybearkelli1]

I was just approved for their delta gold card with 19 inquiries (hard) and 13 new accts since September, so definitely YMMV. However, I have no baddies.