Thanks OP for the interesting post. Kinda of goes with what I have already experienced. HP do not necessarily affect your score but having a lot of Inq does affect your ability to get credit irregardless of the score.
@kdm31091 wrote:You probably wouldn't be getting approved after the first several because the companies would start to see the pulls. Noawadays the pulls are reported more or less instantly so spreeing isn't as a relevant. The only advantage is the inquiries aging together but that only matters if you plan to continuously apply for things.
I've seen people do a LOT of cards at once but it was typically low limit store cards that pretty much you will get approved for no matter what.
It matters because any inquiry is either zero or a negative damage, and you want ANY negative in the algorithm done and taken right now so that by the time you next need it, your score is as recovered as possible.
Even if you don't apply for things constantly, the idea of spreading applications out makes even less sense: you never know when you might need your credit report to be as pretty as possible so unless one swears off applications altogether, spree.
Anyway regarding the question, someone had a reasonable answer of likely low 700's, that said individual inquiries stop counting after 10 or so per bureau, eventually they just stop hurting from significant diminishing returns similar to other negatives in the algorithm. 1 tax lien, ~70 points, 2 tax liens, an additional 5 points, 3+ tax liens /shrug. Only so bad anyone's file can get, collections similar.
