I don't think it really matters

[Fico2Go]

on the actual # of new accounts recently opened or # of HP INQs on a credit report as much as the ratio of new accts to old accounts and ratio of new inquiries to old inquiries.  

Some people have reported having dozens of INQs but are still getting approved while others have less than a few with good credit and income but getting denied.

It's also interesting to note that many have reported success from a first app spree but not as successful on sebsequent sprees.

Just interested in seeing what others think ....do CCCs look at the actual number or ratio of inquiries, new accounts, etc..?  

[Skye12329]

I think its all the profile, obviously a thicker profile will get more approvals vs a thin profile. Like if my sister and i were to apply for the same card i would probably get approved even though her score is 759 and mine is 700. She only has 1 INQ but only 1 month of history.

[Anonymous]

I think it all depends on the credit card companies and also what's on your credit report and also how much you make. For example, I read on forum that other people getting multiple barclays card within a month or two from each other, and yet when I applied for a second barclay card after a month from first one, EO told me that I had to close my first card then I could get second one.

[Fico2Go]

I'm still learning what thick files mean.  Does it refer to having 10 or more active TLs?  A certain # of inquiries?  AAoA? 

What exactly makes a thick file? 

[Skye12329]

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@Fico2Go wrote:

I'm still learning what thick files mean.  Does it refer to having 10 or more active TLs?  A certain # of inquiries?  AAoA? 

What exactly makes a thick file? 

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Well i usually go by your AAOA and accounts. So i have about 8 TL's and a AAOA of 1.7 years. My profile is not very thick but i can get a few cards if need be, while someone such as my sister (1 month) who could apply and would need to hope, most companies would probably decline due to lack of history. 

[Anonymous]

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@Skye12329 wrote:
I think its all the profile, obviously a thicker profile will get more approvals vs a thin profile. Like if my sister and i were to apply for the same card i would probably get approved even though her score is 759 and mine is 700. She only has 1 INQ but only 1 month of history.

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That;s not possible.  You don't generate a score of 759 with one card and one month of history.  Actually, you don't generate ANY FICO score until you have SIX months of history, and even then it's not 759.  Let's not spread misinformation in this forum full of people trying to learn.

[Skye12329]

Thats the score Discover is giving her. She has a Discover IT card for students.

[Anonymous]

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@Skye12329 wrote:
Thats the score Discover is giving her. She has a Discover IT card for students.

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Then, her FILE must have other stuff, other than a one month old credit card.  Have you seen her file?  She MUST have other stuff.   If she believes the same you do, all she has to do is look at her free annual credit reports from all 3 bureaus and find out for sure what's in there.  

I have, personally, seen a file from a person who never used credit and yet had a great score, because someone was using her identity to generate credit for themselves.  This was not done to steal using her name; but to generate good credit for someone without a SSN.  So, it was a file full of good TL, always paid on time, low utilization, the works.

That's why is always good to see for yourself what's in the files, themselves.  And in your sister's case, it can't be just one card, one month, FICO 759.  It doesn't work that way.

[taxi818]

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@Anonymous wrote:

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@Skye12329 wrote:
Thats the score Discover is giving her. She has a Discover IT card for students.

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Then, her FILE must have other stuff, other than a one month old credit card.  Have you seen her file?  She MUST have other stuff.   If she believes the same you do, all she has to do is look at her free annual credit reports from all 3 bureaus and find out for sure what's in there.  

I have, personally, seen a file from a person who never used credit and yet had a great score, because someone was using her identity to generate credit for themselves.  This was not done to steal using her name; but to generate good credit for someone without a SSN.  So, it was a file full of good TL, always paid on time, low utilization, the works.

That's why is always good to see for yourself what's in the files, themselves.  And in your sister's case, it can't be just one card, one month, FICO 759.  It doesn't work that way.

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Very true. The card is maybe a month old. But her file is much older. At least 6 months. 

[Anonymous]

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@Fico2Go wrote:

on the actual # of new accounts recently opened or # of HP INQs on a credit report as much as the ratio of new accts to old accounts and ratio of new inquiries to old inquiries.  

Some people have reported having dozens of INQs but are still getting approved while others have less than a few with good credit and income but getting denied.

It's also interesting to note that many have reported success from a first app spree but not as successful on sebsequent sprees.

Just interested in seeing what others think ....do CCCs look at the actual number or ratio of inquiries, new accounts, etc..?  

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My oldest Credit Card account is 4 months old, i closed the Secured Credit Card i had since 2013, i have a LOT of Hard Inquiries and out of my 6 Credit Cards, Only Capital One and Discover approved me without me having to call for a Recon, Sometimes all you need is luck...