Question for anyone with 10+ Hard Inquiries....

[timkrof]

I wanted to try and find out who has the highest FICO score(s) with 10+ hard pulls on their report(s).

For example,

I have 10 HP's on my EX report right now and a lender pull FICO of 686.  (A couple old paid collections still lingering.)

[llecs]

You won't find too many people with high scores -AND- lots of inquiries. It isn't the inquiries that are keeping the FICO score down, but it's the new accounts that go with them that drain the score due to the new account stati, the negative impact to AAoA, liklihood of additional accounts with a balance, and so on. I bet if you have 10 inquiries inside a year, probably only 1-2 are actually impacting FICO.

[marty56]

Lots of INQs can cause damage beyond your FICO score.  They can open you up to AA by you other CCCs or get you deined for an autoloan or even a mortage.

[tcbofade]

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@timkrof wrote:

I wanted to try and find out who has the highest FICO score(s) with 10+ hard pulls on their report(s).

For example,

I have 10 HP's on my EX report right now and a lender pull FICO of 686.  (A couple old paid collections still lingering.)

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25 Inq's....no baddies....high utilization...EX FICO 695 Lender Pull

[mtrsprt]

14 hard in the last 12 months.   Score drop of nothing more than 9 points...........  Three new accounts in the past 12 months also.

[pakman92]

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@marty56 wrote:

Lots of INQs can cause damage beyond your FICO score.  They can open you up to AA by you other CCCs or get you deined for an autoloan or even a mortage.

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+1 on this.  Even if it doesn't have a huge impact on your score.  This is going to have an impact on your ability to get credit.  Ultimately, that's pretty important.  High score will give you certain rates on various credit products like auto and mortage, but, they may choose not to approve you at all...