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Hard inquiries from over 12 months ago

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Regular Contributor

Hard inquiries from over 12 months ago

Hard inquiries from over 12 months ago (but within 24 months) do not affect one's score. But how do they affect one's approval odds?

Also, do those old inquiries between 12 - 24 months count towards the limit of inquiries when one applies for a card with a bank that dosn't approve people with more than a certain number of inquiries?

4 REPLIES 4
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Moderator

Re: Hard inquiries from over 12 months ago


@folks19 wrote:

Hard inquiries from over 12 months ago (but within 24 months) do not affect one's score. But how do they affect one's approval odds?

Also, do those old inquiries between 12 - 24 months count towards the limit of inquiries when one applies for a card with a bank that dosn't approve people with more than a certain number of inquiries?


Depends on the lender as to whether or not they take into account those that are past the one year mark, they can and do use them as a reason to deny if they dont like your profile but cannot find another valid reason to deny. Yes some banks will also take the aggregagte total of inquiries. Inquiries are rarely a reason to deny in and of themselves.

Message 2 of 5
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Frequent Contributor

Re: Hard inquiries from over 12 months ago


@folks19 wrote:

Hard inquiries from over 12 months ago (but within 24 months) do not affect one's score. But how do they affect one's approval odds?

Also, do those old inquiries between 12 - 24 months count towards the limit of inquiries when one applies for a card with a bank that dosn't approve people with more than a certain number of inquiries?


Entirely up to the individual creditor as to how they look at inquiries.  Some creditors allow a host of them and some will deny you for a small amount like "4".

ezgif.com-optimize(7).gif

You can check the forum for data points on what creditors show a tendency to be Inquiry sensitive.

 

Message 3 of 5
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Valued Contributor

Re: Hard inquiries from over 12 months ago


@Iusedtolurk wrote:

@folks19 wrote:

Hard inquiries from over 12 months ago (but within 24 months) do not affect one's score. But how do they affect one's approval odds?

Also, do those old inquiries between 12 - 24 months count towards the limit of inquiries when one applies for a card with a bank that dosn't approve people with more than a certain number of inquiries?


Entirely up to the individual creditor as to how they look at inquiries.  Some creditors allow a host of them and some will deny you for a small amount like "4".

ezgif.com-optimize(7).gif

You can check the forum for data points on what creditors show a tendency to be Inquiry sensitive.

 


Then their's lenders like US Bank where you can be 0/6 or 2/12 and STILL not get a CC Smiley LOL






Potential Future Cards

Message 4 of 5
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Regular Contributor

Re: Hard inquiries from over 12 months ago


@Wavester64 wrote:

@Iusedtolurk wrote:

@folks19 wrote:

Hard inquiries from over 12 months ago (but within 24 months) do not affect one's score. But how do they affect one's approval odds?

Also, do those old inquiries between 12 - 24 months count towards the limit of inquiries when one applies for a card with a bank that dosn't approve people with more than a certain number of inquiries?


Entirely up to the individual creditor as to how they look at inquiries.  Some creditors allow a host of them and some will deny you for a small amount like "4".

ezgif.com-optimize(7).gif

You can check the forum for data points on what creditors show a tendency to be Inquiry sensitive.

 


Then their's lenders like US Bank where you can be 0/6 or 2/12 and STILL not get a CC Smiley LOL


Absolutely! *cries from experience*

EX: 797 F8 - 3 inquiries
EQ: 798 F8 - 2 inquiries
TU: 799 F8 - 7 inquiries

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