Inquires

[CostantinoA]

I seem to get denied for inquires more than anything.  I have an excessive amount.  About 75% of them will reach the two year mark by the end of the year.    I know they only count against you for first year.  Do you think I will see any score improvement by the end of the year because they will be gone or no.

[trnl2016]

How many inquiries are we talking about?

[CostantinoA]

34 89 13

[Harvey26]

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@CostantinoA wrote:

I seem to get denied for inquires more than anything.  I have an excessive amount.  About 75% of them will reach the two year mark by the end of the year.    I know they only count against you for first year.  Do you think I will see any score improvement by the end of the year because they will be gone or no.

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Me too but i have an least 20 on each bureau and i really wanted an Amex card. 

[Harvey26]

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@CostantinoA wrote:

34 89 13

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WOW. What have you applied for ?

[CostantinoA]

I trade in my cars often so you know each time a bunch of inquires.

[Meanmchine]

$15300 CL / 25 accounts = average cl of $612

If it were me, id be looking to grow those limits

[CostantinoA]

Yeah I am working on it.  I only have 1 account that is over a year but there is a bunch of them that are going to hit a year soon!

Account Holder

$100 Bloomingsdales Opened 07-2105

$200 Citi Opened Opened 11-2015

$200 Macy's Opened 07-2015

$250 Fingerhut Opened 10-2015

$300 U.S. Bank Opened 06-2015

$300 Wells Fargo Opened 09-2015

$400 Walmart Opened 06-2015

$450 Victoria Secret Opened 06-2015

$500 Open Sky Opened 03-2015

$500 Mid America Bank Opened 06-2015

$500 First National Opened 04-2016

$600 Amazon Opened 06-2015

$600 First Savings Opened 06-2015

$1,000 First Premier Opened 10-2015

$1,100 Merrick Opened 07-2015

$1,500 Discover Opened 06-2015

Authorized User

$1,500 Capital One Quick Silver Opened 11-2015

$1,500 Barclay Opened Opened 11-2015

$800 Target Opened 11-2015

$800 Capital One Platinum Opened 05-2015

$600 Merrick Opened Opened 04-2016

$500 Discover Opened Opened 07-2015

$350 First National Opened 04-2016

$300 Credit One Opened 11-2015

[william23]

Why open first premier after all the prime accounts ?

[Anonymous]

Secure a loan instead of letting the dealer do it from now on. Your hurting yourself. Like you said only the inquiries in the past year matter, once you reach a certain amount of inquiries the effect stops though, I'd imagine somewhere around 20 in the last year is the same as 70. Until you drop below a certain amount in the last year it just is what It is. You can try reconning but(not meaning to tell you what to do) stop applying for credit/secure an auto loan beforehand so it's just one(or few) inquiries.


But seriously stop apping. If you're apping because you need credit.....still stop. Cut your finances, your going to put yourself into serious and uncontrollable debt.

Nvm, just saw your tag looks like your credit is roughly under control. Just gotta stop apping and let those lines age. It's a process.