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Is 744 A Good Credit Score – How Many Credit Inquiries Is Too Many? – Credit Card Insider

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Is 744 A Good Credit Score – Best Deal Right Now?

Today’s question is: How Many Credit Inquiries Is Too Many?
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There are two types of credit inquiries: hard and soft. Small inquiries have no effect on your credit, while hard inquiries will have a small effect on your credit, compared to other factors. But how many is too many? What happens if you have 1, 15, or 100 hard credit inquiries on your report?

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36 Comments

  1. DJC
    July 29, 2021 at 3:10 pm

    I have 11 hard inquires. But none in the past 3 years that are still being tracked in Transunion. Will mortgage lenders look at those inquires i did 3 years ago and determine me as a risk? I heard they like to see at least 24 months of a clean reporting

  2. Andy Raphael
    July 29, 2021 at 3:10 pm

    This is my first year of credit I have 5 inquiry is that bad

  3. Black Lyfe
    July 29, 2021 at 3:10 pm

    You forgot an apartment

  4. Joshua Kapusnik
    July 29, 2021 at 3:10 pm

    Actually never answered the question… the very title of the video.

  5. Mikayla Kimberly
    July 29, 2021 at 3:10 pm

    So it’s actually not bad ?

  6. Russ DAngelo
    July 29, 2021 at 3:10 pm

    I have 7 in the past year. Is that a lot?

  7. JAT - Just Amature Tech - Phil PJ Davis
    July 29, 2021 at 3:10 pm

    Why do inquiries stay on your report if your approved? They should be immediately removed if approved.

  8. Hassan Kansas City wala
    July 29, 2021 at 3:10 pm

    Hay dear sir I have good credit and I go to like a 5 car dealership handrick Nissan to finance a car that time I don’t now butt he run my credit I think I have like 5 or 6 inquiries in my credit and know I go to dealership they not give me a car butt I still have good credit score so please tell me what can I do ?

  9. Marilyn Cruz
    July 29, 2021 at 3:10 pm

    I raised my credit score to about 640 Last week and old debt came back to haunt me now my credit score is less than 500

  10. DHARMA IN LIFE
    July 29, 2021 at 3:10 pm

    This is good video for me. I had applied amex 4 months ago and i tried it again this month still got denial and they just showed my past record from my last application. They don’t saying anything else than that. Should i wait for another 6 months or can no longer get it?

  11. comment
    July 29, 2021 at 3:10 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?

  12. Shaila Scott
    July 29, 2021 at 3:10 pm

    Background info: I am not in financial distress nor will i be in the near future. I am joining the military and plan on making 3 diff credit inquiries in a short amount of time (like one week)

    The first is a “career starter loan” of 25k just so i can get furniture and dishes and things when i move out of my parents house

    The second is a military credit card , my uniforms will be 3k but u save 10% on first day purchases when u use the card so I’ll be taking advantage of that.

    The third is a car loan. Lets call it 15k

    I have a 750 credit score and great habits (no lates, etc)

    How bad will these three inquiries wreck me, I have no doubt that I will be approved for all of them and I also have no doubt that I will be able to make the payments that need to be paid… however… 3 inquiries in a week?!?…. what should i expect?

  13. julius jones
    July 29, 2021 at 3:10 pm

    I have73 on my report right now

  14. julius jones
    July 29, 2021 at 3:10 pm

    I have a 731 credit score with 25 inquiries

  15. RoseRage95
    July 29, 2021 at 3:10 pm

    I did that this year for the holiday- 15 hard inquiries but I told myself before this video to stop.
    That it’s enough,
    Because I want them all to fall off in 2 years.
    I don’t need inquiries on my credit.
    But also all I had before was one credit card but whatever I use- I’m going to definitely pay off first.

  16. Albert Castro
    July 29, 2021 at 3:10 pm

    When all the inquiries fall off my

    report does my score go up again ?

  17. John Lawson
    July 29, 2021 at 3:10 pm

    Credit is a scam.

  18. gabriel iwueze
    July 29, 2021 at 3:10 pm

    I applied for a secured credit card first time I was denied after a week I applied again I was approved. But my credit was pulled twice by same credit card company. Is that right or can I Dispute it?

  19. F Y
    July 29, 2021 at 3:10 pm

    I applied for a card thru journey score 653 PT job and student and I got denied was told there would be a soft pull they did a hard pull and my score drop too low they lied and it showed up on my score I want to tell people journey credit card are liars they do hard pull and it affect your score.

  20. Not_jair0
    July 29, 2021 at 3:10 pm

    What does serious delinquency mean on your Credit report?..

  21. Industrial Coatings
    July 29, 2021 at 3:10 pm

    I have a quicksilver one card with a $5000 limit and a $39 fee.
    I just got a discover it card with a $6500 limit no fee. My goal is to have two rewards cards with no yearly fee ore foreign transaction fee. How long should I hold the fee card for before I apply for another no yearly and foreign transaction fee and cancel the yearly fee card ore should I just leave things as is for a couple of more years.

  22. Arthur Semple
    July 29, 2021 at 3:10 pm

    the q is how much . 1.2.3.4.5.

  23. michael macera
    July 29, 2021 at 3:10 pm

    I have been educated by Lexington law on credit and have learned so much,but looking for ways to add positive credit,paying rent? Michael's furniture store I heard does no credit check's and reports to all 3 credit beurues, anything else u can think of without a hard inquiry?

  24. michael macera
    July 29, 2021 at 3:10 pm

    I have recently removed 12 negative items from all 3 credit beurues, my transunion was 667 and I owe nothing now on all 3 credit reports. I was denied for a target card and my score went down immediately 21 points so what your saying with it not impacting your score is not entirely true!!! I have zero positive credit and that's why I was denied unreal I owe nothing and almost a 700 score and was denied. Can I dispute it? I was told I would get it 100 percent by the people at target that's the only reason I did it.also when I apply for sky Visa that does not have a hard Inquiry but since i have moved so much none of my info matches the credit beurues, like mainly my address. So when you get accepted it will say fund me and if your stuff from the credit beurues dont match it will tell you that they need more info after they take your 200 bucks.i need positive credit what can I do,please help me.

  25. jeneva hall
    July 29, 2021 at 3:10 pm

    When should you merge a credit card. They are from the same company

  26. Alexei B
    July 29, 2021 at 3:10 pm

    Blablabla no real answers

  27. Anthony Bussey
    July 29, 2021 at 3:10 pm

    Okay if you have something on your credit report that's in collections and you pay it off how long does it take to clear and does it clear off your credit report? And how long should I wait before I apply for anything else?

  28. Steve Johnson
    July 29, 2021 at 3:10 pm

    I got bombarded with inquiries when just looking at cars. Filled out form told guy I am just looking today. Next thing I know I have 6 on my report and letters almost daily from lenders denying me. Geeze! Credit score dropped drastically.

  29. Victor Dobbins
    July 29, 2021 at 3:10 pm

    I have a pair of cards only used when extremely needed and pay off within a week is this a good way of getting a nice score or something else for me to do?

  30. scott hochhauser
    July 29, 2021 at 3:10 pm

    Why do credit unions take a hard credit hir when opening a checking account?

  31. Val S
    July 29, 2021 at 3:10 pm

    I only have 1 creditor on my report. There are 2 late payments from the creditor that I am waiting to clear since these late payments has been on my report since 2011. The account was settled in full. I know that I need to apply for credit eventually to get a fresh start. However, it will show up as another hard inquiry. My concern is that I do not wish to keep reapplying for more credit resulting in more inquiries if in case I do not get approved. What would be my best option of what credit cards to choose that will have a better approval rate? Also, what do you think about secured credit cards?

  32. Dhevarath AC
    July 29, 2021 at 3:10 pm

    Just another doubt .
    Has about 12 inquires in the last two years , which includes 6 in the last month .

    All the 6 got rejected and my Equifax score dropped to 550.

    Will it be possible to increase it 750+ in 12 months span by keeping utilization below 10 percentage, paying bills and not applying to any other credits ??

  33. Dustin Baldwin
    July 29, 2021 at 3:10 pm

    I've heard that getting multiple hard inquiries in just a weeks time will only count as one hard inquiry. Could you verify the validity of that?

    Asking because I went to apply for a secured card at my bank (with no credit history) and they said they might be able to get me approved for an unsecured card. I said sure and was obviously denied. The next day I applied for a secured card. Will I have two hard inquires?

    Thanks

  34. Muriel Williams
    July 29, 2021 at 3:10 pm

    How often should I apply for new credit cards?

  35. razz P
    July 29, 2021 at 3:10 pm

    Is there a multiple on how much credit can be issued compared to ones income? I.e. 1x or 1.5x gross income?

    How bad is it if one applies for a credit care but is rejected?

  36. Best Music Hits
    July 29, 2021 at 3:10 pm

    I don't get it what's a hard inquiries exactly I'm new to all this but idk I use credit carma and saw 4 hard inquiries. One Verizon but I use my deb card to pay that. Also my deb bank their as a hard inquiry why. And how can I take them out.