How many inquiries are too many?

[bcdudley]

How many inquiries does it take to lower your score. I have 3 inquiries for a mortgage loan (2 from the same bank) all within 15 days of each other, then I have 2 inquiries from Jan of this year for a motorcycle that was not approved, one from the dealer itself and another 2 days later from a CU. I have no other inquiries on any of my credit reports. I would like to app for a cc, but I am afraid of the inquiries and what they will do to my score.

[smallfry]

3 fresh inquiries under a year is pretty close to maximum scoring damage. I have found that if a lender wants to approve you they will overlook inqs if they don't want to approve they can find any excuse under the sun. YMMV.

[RobertEG]

You have only two inquires being scored by FICO.  One (de-dupted) mortgage inq, and one (de-dupted) auto inq.

All gone from FICO scoring after one year.

The problem with the inquries is, as I see it, not so much one of FICO scoring.  It is the issue of  their manual review upon later pull of your CR by a potential creditor.

They all remain, while not scored by FICO after one year, nonetheless in your CR for two years.

The question is only one of whether, upon manual review of your CR, these will raise issues of quest for debt that they dont think were resonable based on your overall CR at the time.  Were you overextendiing, and thus a risk?.  That is as determination that is totally up to them.

[bcdudley]

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@RobertEG wrote:

debt that they dont think were resonable based on your overall CR at the time..

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Are creditors able to look at past scores or a score from a particular period in the past?

[smallfry]

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@bcdudley wrote:

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@RobertEG wrote:

debt that they dont think were resonable based on your overall CR at the time..

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Are creditors able to look at past scores or a score from a particular period in the past?

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No they can only pull in real time. They cannot go back in time to pull an older report.