Inquiry count when applying

[surfnspy]

Are the total amount of inquiries on your report considered when you apply for a card or, just the inquiries that are used in calculating your score within the last year? Can't seem to find a definitive answer. Thank you!

[myjourney]

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@surfnspy wrote:
Are the total amount of inquiries on your report considered when you apply for a card or, just the inquiries that are used in calculating your score within the last year? Can't seem to find a definitive answer. Thank you!

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Long story made short 

New INQ's ding for 6 months and are no longer a Fico scoring factor after a year old  but remain on CR for 2 years 

That being said some lenders will still consider them when evaluating a CR such as Chase and Barclay who are known to be INQ sensitive so yes the total amount can be a factor

[surfnspy]

Thank you

[myjourney]

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@surfnspy wrote:
Thank you

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Your welcome

[Elcid89]

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@myjourney wrote:

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@surfnspy wrote:
Are the total amount of inquiries on your report considered when you apply for a card or, just the inquiries that are used in calculating your score within the last year? Can't seem to find a definitive answer. Thank you!

---

Long story made short 

New INQ's ding for 6 months and are no longer a Fico scoring factor after a year old  but remain on CR for 2 years 

That being said some lenders will still consider them when evaluating a CR such as Chase and Barclay who are known to be INQ sensitive so yes the total amount can be a factor

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+1 Chase does not like inquiries.

[sr383]

So, if you were applying for Barclay or Chase, along with some other (non-inquiry sensitive) card, would you be better offer apping for the Barclay or Chase first, or are they paying so much attention that they're going to notice the other one, even if it comes later?

[Elcid89]

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@sr383 wrote:

So, if you were applying for Barclay or Chase, along with some other (non-inquiry sensitive) card, would you be better offer apping for the Barclay or Chase first, or are they paying so much attention that they're going to notice the other one, even if it comes later?

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Neither of them like to see more than 2 or 3 (max) in the last 6 months. I've seen Chase get hinky about 3.

[09Lexie]

@sr383

Apply for Chase/Barclay first

[myjourney]

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@sr383 wrote:

So, if you were applying for Barclay or Chase, along with some other (non-inquiry sensitive) card, would you be better offer apping for the Barclay or Chase first, or are they paying so much attention that they're going to notice the other one, even if it comes later?

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Chase yes first 

Barclay no last

IMO others may feel differently

[myjourney]

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@09Lexie wrote:
@sr383

Apply for Chase/Barclay first

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I see you have had your cofee ...fast today Lol