Before you think about chancing inquiries, let me be your ginnie pig. I read through old post how people got Generations and Fleet credit cards with TU scores above 660 or so. I applied for both and got denied for both. I have a 3 year old Cap One charge off and the rest is clean. My score was around 685-690 (can't remember). Reasons for denial: serious delinquency no recent revolving credit history The good thing is the Banks can kiss my a$$. I've learned to live off cash and manage it well plus I got my new house. I'mworthknowing the hell outta these inquiries till they come off.