How Inquiries Is Too Many Inquiries?

[Lightt]

Hello,

 

I have 7 Inquires in one year. That year started last April. I have not applied for anything since last April.

 

I am ready for to do another card spree.

 

How many Inquiries should I be concerned about?

Edited April 6, 2014 by Lightt

[mendelssohn]

That varies by lender. You have 7 total across all 3 CRAs?

[Lightt]

No.

 

7 on Transunion, 4 on Equifax, and 1 on Experian.

[amandal0514]

No.

 

7 on Transunion, 4 on Equifax, and 1 on Experian.

You should really look into B*. All those TU inquiries could be gone very quickly.

[shifter]

how old are they?

 

if older than 6 months, they won't have much effect.

 

if older than 12 months, they definitely won't have any effect.

[EternalDebtSlayer]

Hello,

 

I have 7 Inquires in one year. That year started last April. I have not applied for anything since last April.

 

I am ready for to do another card spree.

 

How many Inquiries should I be concerned about?

 

Don't worry about them...

[Occam]

No problem at all.

 

The alternative to Spree&B* is to spree every 13 months and let them die a natural death.

 

However, I would wait till May to be safe.

[Lightt]

Thanks everyone.

[hegemony]

FWIW, my FICO remained 850 even after a new hard inquiry. ymmv