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Found 3 results

  1. Does anyone know how sensitive some creditors are about inquiries? New accounts? For instance, does Citi care about inqs or new accounts that are 6 months old? Cap 1? Amex? When do certain creditors stop caring, 6 months? 12 months, or do some of them hold it against us for the full 2 years? I have gotten Cap 1 Ventures with a 15 inqs on Ex, 5 on Eq and 3 on TU and a lot of new accounts when they pulled the reports. Does that mean they don't care about inqs on 1 of the 3, or are they doing some kind of averaging since they pulled all 3?
  2. I see posts every week wherein a CBer laments over their INQs after allegedly being denied credit for having too many HPs. I say "allegedly" because this is almost never the real reason. It's just the "on-the-record" or "official" reason the lender slaps onto the AA (adverse action) Letter to explain the decision -- a decision based entirely upon different info that isn't listed in their drop-down menu of excuses reasons. I think of it like the world of dating. When s/he says, "It's not you...it's me," that's my cue to read between the lines and take a hard look at reality. When a lender s
  3. So Im preparing for my spree and just want to know what everyones opinion is on my current inq status! TU- 6 EXP-18 EQ-5 But, after this month (Dec 28) my inqs from my car excursion will be rolling off TU-3 EXP-3 EQ-3 Reason I would do it sooner is Im going to finish paying for my ladys ring and want those points, because Im proposing in January in HAWAII!! Currently TU-708 EXP-678 EQ-643 Please give me some advice!
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