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Discussion in 'Credit Talk' started by AB, Apr 10, 2001.
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I think you have a good point, I think when a person has negatives and a lower score than inquires will hurt you more. Inquiries don't make up much of the scoring model, people may disagree but I have seen very high scores with numerous inquiries.
Even though you had great success, I do believe at times creditors will use that exact excuse for denying your credit, even though the inquiries didn't impact your scores that much.
Hi mom, I think you're right about the creditors because I noticed recently that I'm not getting any pre-approvals in the mail. The thing is that I'm still getting approved for new cards with good rates, but the creditors are giving me low limits. My brother gets tons of pre-approvals every week for Platinums. I know he has good credit, but I think he gets these offers because he has only had one credit card for the past 7 or 8 years.
I have to say I agree with you AB. I've heard the same thing from a number of Mortgage Brokers. It was enough for me not to worry too much but I figure why not get rid of as many inquires as I can