Credit Repair

Is 712 A Good Credit Score – How Credit Inquiries Impact Your Credit Score


Is 712 A Good Credit Score – How to Choose

How credit inquiries impact your credit score.
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  1. george kats
    July 24, 2021 at 11:32 pm

    I just applied for chase freedom flex after 6 months of my first discover secured card. I got denied. I’m worried it will hurt my credit score pretty bad since I’m so new. Should I wait 2 years for that hard inquiry to go away before looking for a new card? Or should I wait another 6 months, I’d like to build my base sooner than later

  2. Trev Mac
    July 24, 2021 at 11:32 pm

    people who have 20+ cards, how rapidly did you get to that amount that you have and if you started over, how would you change the speed of your process?

  3. Ethan Smith
    July 24, 2021 at 11:32 pm

    I am a thin file always taught pay cash stay away from credit cards. Decided to take out a credit card to improve my credit score. Score dropped 17 points on transunion.

  4. noe alvarez
    July 24, 2021 at 11:32 pm

    I have Chase Freedom Unlimited and I just made 6 months with it, I applied for a Discover It Cash Back card and I got a hard inquiry. My score went from 693 to 690, was it a good move? I had 5 and with this card I’m guessing I have 6 now, is that bad?

  5. blackhawkwan
    July 24, 2021 at 11:32 pm

    Hard inquiries stay on your report for 25 months now, I guess it's part of the new credit system now.

  6. S D
    July 24, 2021 at 11:32 pm

    Credit Karma is regularly 20-30 higher than what the bureaus tell me directly.

  7. Andrew Blatt
    July 24, 2021 at 11:32 pm

    I applied for american express and my score dropped Andrew

  8. Ronald Ramirez
    July 24, 2021 at 11:32 pm

    hello Sebby! how often can one apply for a cc?

  9. Cutting Edge Cool
    July 24, 2021 at 11:32 pm

    Excellent topic Sebby!

  10. Diamond Cb
    July 24, 2021 at 11:32 pm

    Hi, what should be the limit of hard inquiries you should allow per year?

  11. Jeff E
    July 24, 2021 at 11:32 pm

    I woke up to a 31-point TransUnion credit score increase this morning!! 700 on the dot after disputing hard inquiries on my file. I'm still in shock, lol.

  12. darren perez
    July 24, 2021 at 11:32 pm

    When you say temporary. Are we talking 2-3 months?

  13. Squid customs
    July 24, 2021 at 11:32 pm


  14. Deandra
    July 24, 2021 at 11:32 pm

    Should I remove new inquiries ? Or pick and choose which ones I should remove so it doesn’t look suspicious?

  15. Jameel Nicholson
    July 24, 2021 at 11:32 pm

    Hard inquiries are as inconsequential as ant bites. 🐜🐜🐜🐜🐜 They itch at first, but as soon as you put socks on, you barely notice them. It's the drop in overall age of accounts (I seem stuck at 1.2 years as I create my "baker's dozen" of cards)

  16. The Neutral ZONE
    July 24, 2021 at 11:32 pm

    I applied for two credit cards recently and my score dropped by 74 points I almost passed out when I saw it. I thought inquiries take about 5 to 10 points but I do have a thin file so maybe that's why. Hopefully, the score will increase somewhat by October.

  17. PutGodFirst
    July 24, 2021 at 11:32 pm

    Will experian boost really help boost your credit score by reporting your utility and your cell phone payment? Also I co signed for my grandaughter a care last year and she paid it off and it says accounts closed will that effect my score as well.

  18. David Sawyer
    July 24, 2021 at 11:32 pm

    I don’t have lots of credit history I just turned 18 and applied for an apartment my score was like 700 something and it dropped down by 18 points

  19. comment
    July 24, 2021 at 11:32 pm

    I pay all my cards off on time. I applied for chase business card was denied because not having a bank account with them or business history since sole business owner. I didn't know this until after applying for 2nd chase card in 2 days. So on the 3rd day applied for marriot personal card. Was denied. Forgot I was at 5/24. 4th day I applied for Citi thank you card denied because of 2 many inquiries. Talk with reconsideration line. Said bank policy said I had 2 many inquiries
    I asked how much is 2 much. Wouldn't say. Also explain the 3 cards they didn't care. What to do?

  20. Team Sk
    July 24, 2021 at 11:32 pm

    Age is 8 month And got a dozen cards mostly subprime score is 730 trying to play the waiting game before I apply to Amex

  21. Robin Smith
    July 24, 2021 at 11:32 pm

    So ur not saying which companies other than Kredit Karma will show us our true score; finalize ur info pls. Thk u