Wells Fargo is definately INQ sensitive. I recently took out a new mortgage in February with WF and they called me about opening a mortgage rewards cc I agreed and they opened it with 7500 CL. I admit I went from 5% UTL up to about 65% after buying the house and new furniture but WF has reduced my CL now to 6000. Of course I flipped out on them and have paid it down to just under 1500 now and plan to close it if they dont give me my orignal CL back.
The reason they gave me was number of INQ and not ULT. Pretty strange since this was the last account that I opened. Would have thought they would have not opened it if they didn't like the INQ count. Oh well.
Current Scores 738 EQ (FICO 02/15) 745 EX (Lender Pull FICO) 768 TU (FICO 02/15)
4% Utilization on 180k Total Available Creditlines
AMEX Platinum - NPSL, AMEX HH - 2.5k, BofA Travel Rewards - 25K, BofA 123 Cash Rewards - 15K, BofA Amex - 15K, Barclay Black Card - 10K, Chase United Club - 9.6K, Chase Sapphire Preferred - 14k, Discover More - 7.5K, Citi Presitge - 20K, Nationwide Bank - 7.5K, Dillard's - 5K, JCP MasterCard - 12K, Capital One Venture - 3K, Capital One Quicksilver - 10k, Wells Fargo - 6K, Lowe's - 10K,
