MemberSince99 wrote:I'm going to play devil's advocate here. Inquiries older than a year do not factor into a FICO score, and are not looked at as closely by lenders. That gives him 3 inquiries that really matter.
Hell I have a total over 30 inquiries over the last 2 years over all 3 bureaus (that's total, not over 90) and was just recently approved for 2 cards. They are way over-rated in importance by the FICO loving crowd IF everything else is in order.
And Chase pretty much has to be the current easiest lender to recon with.
All you have to lose is an inquiry to find out. Don't let others tell you that you can't achieve your goals and accept that as the truth - maybe they are right, but maybe not. Only you can determine that.
I would say your own experience and mine are quite different. For me Chase is very strong at declining application and hard to negotiate with. From another post, you said Discover is stingy but they are actually very lenient to me. And from what I have learned, hard inquiries stay on report for 2 years before they are dropped off. Usually inquiry doesn't matter but to many inquiries for a short term credit history, for me as a lender, it's a no-no.
But I respect your view and advice. It's really his/her decision at the end. We're just trying to help. As we always say, YMMV.
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.