How many hard inquiries are considered bad?

[Anonymous]

I don't have very many, maybe 4 since Sept 2014, is this bad???? What should I keep it as??? I don't plan on applying for anything until I apply for a mortgage as soon as my credit is cleaned up and my utilization is down, but I'm just curious.

[Involver]

Dont worry about them.

Banks that will deny you solely for INQs aren't worth your time.

[Anonymous]

I read somewhere that 5 or more may be considered a red flag

[Anonymous]

also, does anyone know when they fall off?

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@Anonymous wrote:

I don't have very many, maybe 4 since Sept 2014, is this bad???? What should I keep it as??? I don't plan on applying for anything until I apply for a mortgage as soon as my credit is cleaned up and my utilization is down, but I'm just curious.

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[Anonymous]

I believe they are listed for two years, but only contribute to Fico scores for 1 year.

[Pway]

Inquiries fall off at the two year mark.

[vanillabean]

I have noticed that twelve year old inquiries do not appear on credit reports.

[Anonymous]

Hard inquiries stop affecting your score after 1 year and fall off after 2 years. They dont matter unless the credit lender you are looking to get credit from looks at it as higher risk. Like Barclays. They like to see a low number of inquiries. Just depends.

[Anonymous]

My wife works in the mortgage business. She told me don't app up to 6 months prior to your mortgage shopping, longer if you think your scores won't rebound from the new account/s and INQ'S. Obviously if you have a thin file new accounts and INQ'S can have a significant affect on one's score.

[Anonymous]

I have 13. 9 in the last month all approving (except PenFed, as of now). Receiving another $5,500 Credit Card. Credit lines increased from $2,000 to $30,000.

As mentioned above banks look at overall picture. I actively used the $2,000 card. Added 2 (gas card, $500 cc) about 3 months prior to spree. Dropped about 10; 730 >719.

A couple of your approvals will require reconsideration calls to an actual human to approve.