Hi all, My 9/14 mifico score was 715, and the number one reason it wasn't higher was "too many inquires." This seems strange, as the ONLY inquires they have for credit that they say I've authorized in 12 months are for bank accounts, which should hardly indicate an overeagerness for credit...unless I'm missing something? The excerpt below is from the statement...what do you make of it? Am I doing anything I should avoid? I realize my score is respectable, but I want to apply for more credit soon and want to nurse my inquries along as much as possible. TIA, Dave 09/14/2001 ID-Equifax Consumer Services, Inc 09/14/2001 Equifax Consumer Services 08/11/2001 ID-Ebay Inc 08/04/2001 AR-Citibank - VISA 07/23/2001 PRM-Associates National Bank 07/16/2001 PRM-Citifinancial 07/16/2001 Spokane Teachers Credit Union 07/13/2001 PRM-Chase Manhattan 07/02/2001 PRM-Fingerhut National Bank 06/22/2001 PRM-Bank of America 06/19/2001 PRM-Capital One 06/07/2001 PRM-Associates National Bank 06/04/2001 AR-MBNA 06/01/2001 PRM-Advanta Business Service 05/09/2001 AR-Citibank - VISA 04/25/2001 PRM-Capital One 04/20/2001 PRM-IRWIN Home Equity Corporation 04/16/2001 PRM-Capital One 04/04/2001 PRM-First Bankcard Center 04/04/2001 AR-MBNA 04/03/2001 AR-Federal Home Loan Mortgage Crp 03/26/2001 American Bank 03/13/2001 PRM-Bank of America 03/13/2001 PRM-IRWIN Home Equity Corporation 02/28/2001 AR-Citibank - VISA 02/19/2001 PRM-Travelers Bank Solution Center 02/16/2001 PRM-Citibank USA 02/13/2001 PRM-IRWIN Home Equity Corporation 02/02/2001 PRM-Centex Home Equity 01/29/2001 PRM-Capital One 01/26/2001 AR-MBNA 01/25/2001 PRM-IRWIN Home Equity Corporation 01/24/2001 PRM-Capital One 01/15/2001 PRM-Travelers Bank Solution Center 01/10/2001 PRM-Equity Plus Financial Inc 12/21/2000 AR-Citibank - VISA 12/19/2000 PRM-Capital One 12/06/2000 EU-Facutal Data 11/29/2000 PRM-Capital One 11/28/2000 PRM-IRWIN Home Equity Corporation 11/11/2000 PRM-Mortgage Resources, LLC 11/06/2000 PRM-Citimortgage 11/06/2000 American Bank 11/01/2000 AR-Federal Home Loan Mortgage Crp 10/24/2000 AR-Citibank - VISA 10/04/2000 PRM-IRWIN Home Equity Corporation
I've gotten that same reason code too when I only had one inquiry on my EQ report. Since you have good credit, it probably just means they didn't have anything else negative to say about you. American Bank - Is that the one in Pennsylvania? I've got an account there too. Pretty happy with it so far. Why did they pull your report twice? Maybe you could get their second inquiry taken off since they should have just done an AR.
I'm kinda curious as to why these inquiries are still on your Credit report. It's over the 2 year mark. Well the 11/1 will be tomorrow. KHM
Thanks skittens, Yeah, I really, really like American Bank, pcbanker.com . I think the second inquiry is because I opened a second account with them a little later. Is that grounds for them to pull a second credit report? I'm assuming so... I have a 786 at TU..I was assuming that they must have found it pretty significant to bring me down that much lower. Especially since they have an erroneous 30 days late CC payment from 18 or so months ago that shows as a lower reason (3, I think.) But I could be wrong...? Sounds like it's pretty easy to run up inquiry points. Anyone know how a bank inquiry compares with a CC?
