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Fear of Hard Inquiries?

Contributor

Fear of Hard Inquiries?

Not totally sure why everyone seems so bent on avoiding hard inquiries.....worked out great for me today.....Smiley Very Happy .....last baddie (AFNI) finally got sick of my emails....Transunion should be deleting shortly and will give me 720+ across the board...Finally!!!!
Screenshot_20180313-091509.png



EQ8: 732 | TU8: 728 | EX8: 726
EQ9: 753 | TU9: 723 | EX9: 748

AMEX PRG NPSL | CSP $5,000 | CFU $4,500 | SLATE $3,000 | DISCOVER CHROME $3,000 | CAP1 QS $1,500 | NFCU CR $1,500 | CREDIT1 PLAT $500 | HOME DEPOT $5,000 | OVERSTOCK $3,500 | NFCU CLOC $10,000 | PENFED OLOC $500 |

Message 1 of 6
5 REPLIES
Established Contributor

Re: Fear of Hard Inquiries?


@Creditaddicktwrote:

Not totally sure why everyone seems so bent on avoiding hard inquiries.....worked out great for me today.....Smiley Very Happy .....last baddie (AFNI) finally got sick of my emails....Transunion should be deleting shortly and will give me 720+ across the board...Finally!!!!
Screenshot_20180313-091509.png


Depends on the goal... Smiley LOL

Gardening 2020-2021
Total CL 113k+ UTIL 0.01% Uber Visa, DoubleCash, Quicksilver, Discover IT, Freedom Ulimited, Blue Cash, Premier Rewards GOLD
Message 2 of 6
Frequent Contributor

Re: Fear of Hard Inquiries?

I think it was the deletions that drove your scores up. 👍🏻


NPSL AMEX SPG 5K Amex Everyday Blue $4k 20K Discover IT $7,700 Cap1 QS $7kAmazon Prime Card 10kHSN Card 4.8KFurnRow 2k  Rooms To Go Synchrony

Message 3 of 6
Established Contributor

Re: Fear of Hard Inquiries?

Woo Hoo! Good job raising those scores!!!

New 2018 home owner! ???
Goal- All FICO 9 scores at 675 or above
9/16/17 FICO 9 TU-661 EQ-648 EX-607
12/27/17 FICO9 TU-706 EQ-672 EX-690
3/16/18 FICO9 TU-700 EQ-669 EX-716

Simulator Test - 3/17/18 FICO8 TU-651 EQ-712 EX-778 w/ high utilization
Results - 4/11/18 FICO8 TU-653 EQ-710 EX-779 w/ 5 x 0% utilization
Message 4 of 6
Established Member

Re: Fear of Hard Inquiries?

HP's are over rated as they come off in 24 months usually.
Message 5 of 6
Super Contributor

Re: Fear of Hard Inquiries?

Not sure if we have forum evidence of this but IMHO having too many INQs could open one up to a CLD or worse.

06/13/2018: FICO 821 EQ 814 TU 808 EX
Message 6 of 6