- Centurion Member
- Posts: 4042
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
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.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech