Inquiries - How many is TOO many?

[Anonymous]

fused.....I will know for sure on this when my Clear card reports for the 1st time but Amex reported my Delta card with an open date of 7/99 which was the date that I opened an old corporate card. I believe any account you open with them will show your original date assuming you are in good standing with them.

[fused]

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bamf70 wrote:
fused.....I will know for sure on this when my Clear card reports for the 1st time but Amex reported my Delta card with an open date of 7/99 which was the date that I opened an old corporate card. I believe any account you open with them will show your original date assuming you are in good standing with them.

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Many have been posting this. My situation is different with an Amex Gold to Plat conversion. What will happen is I will have two CCs TLs showing an open date of 04/06 (it's suppose to be 04/07 but why dispute it, ha) instead of one...this will shorten my average-age of accounts and this will lower my scores.

[MidnightVoice]

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fused wrote:

...this will shorten my average-age of accounts and this will lower my scores.......................

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......................down to the high 700s, except EX  in the high 600s   

[haulingthescoreup]

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@fused wrote:

Bingo...FICO scorecards, buckets and pools!

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Oh, dear God, not the buckets again. Someone please come get me out of my EQ bucket and move me to my EX bucket. Or even the TU bucket. I do not like being at the bottom of the EQ bucket. Very smelly feet down here.

[Anonymous]

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fused wrote:

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snookie wrote:

I apped for a Citi card last month.  No hit for inq and a 12 pt hit for the new account when it showed. From a 793 to a 781

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Nice scores! How long is your credit history and do you have a thick or thin file?

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Credit history is 14 years / 6yrs average/  8 total accounts  /4 open .. 3 cc's and a HELOC / and am running around 20% utilities

[haulingthescoreup]

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@Anonymous wrote:

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@fused wrote:

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@Anonymous wrote:

I apped for a Citi card last month. No hit for inq and a 12 pt hit for the new account when it showed. From a 793 to a 781

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Nice scores! How long is your credit history and do you have a thick or thin file?

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Credit history is 14 years / 6yrs average/ 8 total accounts /4 open .. 3 cc's and a HELOC / and am running around 20% utilities

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And I'll bet you've never been late, right? Wow, that's almost exactly my profile, except that my util is under 3%. That's where my scores would be if not for lates. sheesh --i r a idiot, except not any more

[Anonymous]

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@haulingthescoreup wrote:

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@Anonymous wrote:

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@fused wrote:

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@Anonymous wrote:

I apped for a Citi card last month. No hit for inq and a 12 pt hit for the new account when it showed. From a 793 to a 781

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Nice scores! How long is your credit history and do you have a thick or thin file?

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Credit history is 14 years / 6yrs average/ 8 total accounts /4 open .. 3 cc's and a HELOC / and am running around 20% utilities

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And I'll bet you've never been late, right? Wow, that's almost exactly my profile, except that my util is under 3%. That's where my scores would be if not for lates. sheesh --i r a idiot, except not any more

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Yeah no lates or anything and the score would be higher I guess, but I took advantage of a 0% balance transfer for new air conditioning (Vegas is KILLER when your air goes out in summer)  which is why the utilities are around 20% . Your scores will certainly get there... believe me I've had my share of stupidity  

[fused]

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snookie wrote:

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fused wrote:

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snookie wrote:

I apped for a Citi card last month.  No hit for inq and a 12 pt hit for the new account when it showed. From a 793 to a 781

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Nice scores! How long is your credit history and do you have a thick or thin file?

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Credit history is 14 years / 6yrs average/  8 total accounts  /4 open .. 3 cc's and a HELOC / and am running around 20% utilities

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On TU my credit history is almost 28 years/ average-age accounts 6+ years/13 total accounts: 8 open (6 CCs, 1 Amex charge, 1 installment), 5 closed all $0 balances and no baddies/ 0 inqs/overall util now 7% indiv util 3-9%. score 792

EQ the same as TU but one 28 year old TL not reporting. score 755 (guess this TL really matters)

On EX my credit history is about 14 years/average-age almost 3 years/10 total accounts: 7 open (5 CCs, 1 Amex charge, 1 installment) 3 closed closed all $0 balances and no baddies/ 2 inqs/ overall util now 7% indiv util 3-9%. score 738