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What do creditors consider to many inquiries and do they look at the number in the last 3 months, 6 months, 1 year?
I know generally inquiries have an impact on your CR for a year and fall off after 2.
That's a good question and the answer can vary between lenders. Since inquiries do the most damage during the first 6 months my guess would be more than 3 in the last 6 months. I always make sure that i don't have any inquiries during the previous 6 months if i plan on apping for new credit. That's always worked for me.
when I applied for chase amazon, i had 8 inquiries probably within 6-7 months.... on my EX... they didn't even mention that... so, i guess it all depends with the lender....
@webhopper wrote:
18 is too many for discover. 14 is too many for chase; but chase will approve on recon.
nfcu & amex charge card... they don't care.
Haha that post sounds like it comes from experience.
In all cases, it depends on how the rest of your file looks. If you are already borderline on approval, INQ's won't help that's for sure. No set number, some may get approved with 10 INQ's while other get declined with 0 INQ's. I think 3 is always a good number to stay under.
6 months is a good one.
nah, the whole point of inquires is to rack them up, bump them off and start over again!
I had 40+ from NFCU alone in the last 2 years
@swpopham wrote:nah, the whole point of inquires is to rack them up, bump them off and start over again!
I had 40+ from NFCU alone in the last 2 years
40? What were they from? Im about to join NFCU and need to see how much they will pull (I know they are a bit pull happy but 40 seems excessive).