Inquires

[BearsAndTurtlesRtheBest]

For example my sister has 9 inquires on her EX report latest one was from wells fargo on october 2012 and the rest are from April 2012. SO far 8 are 1 year old. when applying for a credit card that pulls exp. well that be concern with the inquiries that are now 1 yr old??

[Anonymous]

it depends on the lender.

some lenders are concerned with all inquiries within the past 24 months, and ESPECIALLY concerned with inquiries in the past 12 months.

While inquiries that are 12-24 months old won't affect fico scoring, some lenders take it into consideration as well. However if you want to scale it in terms of importance, inquiries within past 12 months are still weighted the most heavily.

[BearsAndTurtlesRtheBest]

For example Chase how would they see this situation? any1 ever apply with lots of inquiies that where 1 year old?? and got approved or denied??

[Anonymous]

Gah! all these posts about chase and chase freedom! I want to re-apply now!

[BearsAndTurtlesRtheBest]

my sister wants Freedom MasterCard Sapphire MasterCard, and HYATT Visa Signature. At least get one and get the other two as soon as she gains hisrory with that one card, but for that to happpen i need to know how Chase sees 1 year old inquiries

[Anonymous]

I would recommend she gets the freedom and waits at least six months to either get the next one and than other 6 months for the last one, or at least get the freedom now and maybe try for both at six months if her scores are good

[Anonymous]

If she currently has no credit cards, I would wait a year. If she already has a card, the approach stated above can be used.

[Anonymous]

When I applied for Chase CSP , I had 7 inquiries before that and the CSP was my 8th. I did not get approved instantly and was given a 30 day message. I called and the whole thing was pending and they couldn't do anything. A week later they just verified my info to make sure it's me, and I got approved.

Then, a week later after I got my CSP, I decided to push my luck and apply for the freedom, and was approved instantly. That was my 9th inquiry.

For me I am guessing the inquiries didn't matter as much since I have a checking account with chase for >3 years and Chase amazon visa for almost 2 years. 

Some lenders are more forgiving if the inquiries are due to mortage / auto loans as well. You can check to see if you're pre-approved for any Chase cards right now as well. It is really hard for me to tell you, but you could always apply, and if required, call Chase recon. They have a good recon department that is easy to work with.

[BearsAndTurtlesRtheBest]

yes well accroding to EXP her aaoa is 1 yr and oldest acct is 1yr 3 months Highst CL is Sport Chalet VISA Platinum $3k CL. Thye do pull EX right?