CarefulBuilder14 wrote:Also, once a person has about 10 inquiries on a report, additional inquiries don't do much to change the FICO. The FICO harm of going from 0 to 10 inquiries is, I think, greater than the marginal FICO harm of going from 10 to 30. This leads some people with 10+ inquiries to feel that the damage is done, and that they might as well incur a few more HPs for CLIs or new cards.
I have 6 on Experian, only 2 of which will fall off in the next year. Most of the cards I'm considering pull Experian, so that gives me a little pause before applying. Anecdotally, it does seem that Experian is less sensitive to inquiries than the other CRAs are.
There is a member over on MF that has the max number of EQ/TU inquiries and over 50 on EX and continues to get approvals....WITH a BK7 2 years ago!