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could use some help, HP Question

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slap_happy
Frequent Contributor

could use some help, HP Question

hey guys, let me ask your opinions, I have 7 accounts, AAoA is at 6 years 10 months I think, scores at 750+/- accross the board, I have 2 HP on TU 1 over a year old, 1 5 months old, both from BOA.

3 on EX, 1 is almost 18 months old, 1 is almost a year old and 1 last month (amex  platinum) 1 on EQ. almost a year old.

 

I want to go on a bit of a spree, I want CSP, INK and maybe arrival + WEMC. 

what is your opinion on the HP's do I have to many? will it scare off and possibly decline me due to them? what is considered too many HP's? I think barclay pulls TU from what I gather on here and not sure what chase pulls I imagine EX.




Message 1 of 7
6 REPLIES 6
B335is
Moderator Emeritus

Re: could use some help, HP Question

No you're fine. Chase will probably pull EX and possibly another. Barclays will pull TU. Chase approved me with many more hp's (over 25)
Message 2 of 7
ezdoesit
Valued Contributor

Re: could use some help, HP Question


@slap_happy wrote:

hey guys, let me ask your opinions, I have 7 accounts, AAoA is at 6 years 10 months I think, scores at 750+/- accross the board, I have 2 HP on TU 1 over a year old, 1 5 months old, both from BOA.

3 on EX, 1 is almost 18 months old, 1 is almost a year old and 1 last month (amex  platinum) 1 on EQ. almost a year old.

 

I want to go on a bit of a spree, I want CSP, INK and maybe arrival + WEMC. 

what is your opinion on the HP's do I have to many? will it scare off and possibly decline me due to them? what is considered too many HP's? I think barclay pulls TU from what I gather on here and not sure what chase pulls I imagine EX.


I think your in great shape score and inqs wise.  Chase usually pulls Ex sometimes a second, that one seems to usually be TU 

 

Barclays most of the tme pulls TU.  GL

Message 3 of 7
Closingracer99
Valued Contributor

Re: could use some help, HP Question

I have gotten approved with 27 and 28 for the CSP and Marriott premier card on my ex report.  Chase if they did pull a 2nd it would be eq for me since I have no inqs from chase on my TU 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 4 of 7
Transmogrifying_Bee
Frequent Contributor

Re: could use some help, HP Question


@B335is wrote:
No you're fine. Chase will probably pull EX and possibly another. Barclays will pull TU. Chase approved me with many more hp's (over 25)

+1

FICO Score 8: EQ 823 EX 817 TU 825 **** VantageScore 4.0: 825 **** VantageScore 3.0: EQ 823 EX 826 TU 825
TOTAL CL (6 cards): $141.0K **** INQUIRIES 2 yrs (1 yr): EQ 0(1) EX 0(0) TU 0(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 840+
r>>
Amex BCE 30K || NASA FCU Rewards Visa 30K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 25.0K || Discover it 14.5K **** CLOSED 7 cards **** GARDENING since 9-26-2014
Message 5 of 7
slap_happy
Frequent Contributor

Re: could use some help, HP Question

Wow, you guys have 20 plus and I'm worried about 4 or 5 lol, so let me ask, what would then be considered too many hp's? I mean if you guys are getting approved with 20 plus



Message 6 of 7
Closingracer99
Valued Contributor

Re: could use some help, HP Question


@slap_happy wrote:
Wow, you guys have 20 plus and I'm worried about 4 or 5lol, so let me ask, what would then be considered too manyhp's? I mean if you guys are getting approved with 20 plus

ironically 20+ 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 7 of 7
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