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721 FICO.... 10 INQS..... Approval?

Discussion in 'Credit Talk' started by Nestea, Feb 1, 2003.

  1. Feb 1, 2003 #1
    Nestea

    Nestea Well-Known Member

    Who would approve a high limit CL with alot of inquiries?
    the above is Equifax.
    --

    You applied for credit 10 times in the last 12 months

    Your most established credit obligation is 78 months old and your newest credit account was opened 5 months ago.
     
  3. Feb 2, 2003 #2
    willgator

    willgator Well-Known Member

    I had 711 with 11 inquires in 2 years and deniedddddddddd . by us bank.
     
  4. Feb 2, 2003 #3
    DISPUTER

    DISPUTER Well-Known Member

    Have you tried the GM Card?
     
  5. Feb 2, 2003 #4
    tnobles

    tnobles Well-Known Member

    I recieved an instant denial for the GM with a 685 the denial reason was too many inqs. I had 7.
     
  6. Feb 2, 2003 #5
    whyspers

    whyspers Well-Known Member

    I think a lot will depend on your utilization ratios, but it doesn't look good. I don't know of anyone who will aprove with that many inquiries....especially with your newest account only being 5 months old.

    I've heard people post that Amex doesn't care about inquiries if the rest of their criteria is met, but I don't know.

    L
     
  7. Feb 2, 2003 #6
    Nestea

    Nestea Well-Known Member

    Re: 721 FICO.... 10 INQS..... Appro

    6% utilization.

    all my cards are paid off, just the usual card that we use for monthly expenses shows a balance.
     
  8. Feb 2, 2003 #7
    flaman

    flaman Well-Known Member

    I know some issuers look back 6 months others more.
    Cap one gave me a card with $5000 line last spring, I had over 30 inq that were in last 12 mo and 2 within last 6 mo.

    MBNA, CITI, Cap One, AMX, BOA all gave me cards with multiple inq that were over 6 mo old
     

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