I ordered my reports from Myfico.com TU: 671 Inquries: 5 EXF: 649 Inquries: 7 EQ: 619 Inquires: 17 Privacy Guard: 666 Most of my inquries are on the EQ report and my % on my cards are high. We bought a house last year so there are half a dozen or so inquries for Mortgage stuff. Two years post BK. So by not applying for credit this year and working on paying my balances down I hope to see these things skyrocket and stabilize around the same number. The only reason I got my reports from Myfico was I seen my 666 on PG and thought about trying for the Target Card (I seem to have an obession with that dang card) and thought I'd check my real scores before I did. Now I think I'll just wait until January to do anything but pay down stuff and let my BK pass another year by.
Mortgage inquiries, if within 30 days, are *supposed* to be counted as one. I've had four generated in the last month and have not seen my FICOs drop, so it could be true. Your utilization will get you a lot of points - in my case, about a hundred. I was able to get a Target Guest card 2 years post BK but not the Visa. I've also been turned down for BofA, Amex and Chase (where I have an auto loan) in the recent past with pretty decent scores - all because of BK.
