Hold up! The Auto and Mortgage rule does not apply to other inqs. Each CC inq will have an impact on your score.
Yes. All the CC inquis that were done at the same time should only count as 1 as regards your score. After 6 months they count less against your score, and after a year not at all. And after 2 years no one can see them
2anewu wrote:Hello all, recently (yesterday) I started to apply for credit cards and of the many that I applied for I was approved for two. I feel aweful b/c several companies that I spoke with declined me due to inquiries and made me feel like a credit monster on the phone. I was told to "not be doing that" and it made me feel like I was doing something wrong. State farm's agent said blah blah.."this is a red flag for companies and you should not apply for a lot of credit at one time, EVER"! I do feel good about the ones that I have, but if I never tried I would not have the 2 cards now.Will I bounce back from inquiry jail with future creditors?