What is a decent number of credit enquiries

[ank_sh1]

Hi there,
I am looking for a number of credit inquiries which is good or not bad for cibil score. I personally have 41 hard enquiries in the last 2 years, and I am not sure if it's way too high or okay or good. I see here many people holding numbers of credit cards and I don't think that would be possible without numbers of hard enquiries.

What is the ideal number of enquiries to have in a month or quarter a year or 3 years?

Thanks,

 

[Akashn]

Mujhe to nahi hua extra credit 😳

Us moment 😭

 

[D₹V]

Us moment 😭

Moye moye.... Moyeee.....

 

[suryatejad]

I have 41 hard enquiries in the last 3 months, my score dipped by 3 points. ICICI Bank did 10+ enquiries, Au did 5.

Hi there,
I am looking for a number of credit inquiries which is good or not bad for cibil score. I personally have 41 hard enquiries in the last 2 years, and I am not sure if it's way too high or okay or good. I see here many people holding numbers of credit cards and I don't think that would be possible without numbers of hard enquiries.

What is the ideal number of enquiries to have in a month or quarter a year or 3 years?

Thanks,

 

[NShah]

I have 41 hard enquiries in the last 3 months, my score dipped by 3 points. ICICI Bank did 10+ enquiries, Au did 5.

Ye kuch zyada tufaani kardi tumne 😂

 

[suryatejad]

Ye kuch zyada tufaani kardi tumne 😂

Ha, blame on ICICI, AU and HDFC 😂

 

[NShah]

Ha, blame on ICICI, AU and HDFC 😂

Duplicate inquiries? Mail each bank to remove that inquiries

 

[Vasuki]

Okay,,
Once you cross credit age of 5, the significance of number of enquiries reduces..

Credit age and significance of no of enquiries will have an inversely proportional relationship..

There are two things here:
1) the effect of enquiries on the score
2) banks weightage of recent enquiries in the approval process..
Only a handful of banks do give big importance to this

My cibil age is 2 11 month
I closed my oldest account ( fk pay later) no decrease in cibil score .
Is
Age of account depends on first time loan / cc was reported ?
Or the oldest account age ( active )

 

[SSV]

Or the oldest account age ( active )

✅ ✅ ✅

 

[OverdosingOnCopium]

I have 42 enquiries this month... still have a score of 792 though.

 

[PRASHANTTHAKUR]

I have 140+ enquiries in 2 years.

 

[Das.N]

I have 140+ enquiries in 2 years.

Aapne kisi bank/nbfc ko choda?

 

[Das.N]

I have 42 enquiries this month... still have a score of 792 though.

Mera utilisation 2% se 24% gaya to CIBIL score sidha 783 se 773.

 

[Vasuki]

Mera utilisation 2% se 24% gaya to CIBIL score sidha 783 se 773.

I have cibil subscribed.
My cibil utilisation is increasing as I m using the card 🤣🤣
From 12 to 14 percentage in 3 day refresh ..
Axis is nuts 🤣

 

[SSV]

Mera utilisation 2% se 24% gaya to CIBIL score sidha 783 se 773.

not only overall utilisation, individual account level utilisation also matters..
If you make every account utilisation either 0 / -ve your score would be around 793 ..

 

[Das.N]

not only overall utilisation, individual account level utilisation also matters..
If you make every account utilisation either 0 / -ve your score would be around 793 ..

But ICICI, HDFC, Axis takes a lot of time to report. Even if I pay all the dues today. My credit score will jump up even after February, I think. Mujhe Indusind k card apply karna tha. Lagta hai postpone karna padega.

 

[D₹V]

But ICICI, HDFC, Axis takes a lot of time to report. Even if I pay all the dues today. My credit score will jump up even after February, I think. Mujhe Indusind k card apply karna tha. Lagta hai postpone karna padega.

HDFC doesn't take time. It reports in month end.

 

[SSV]

HDFC, Axis takes a lot of time to report.

These two generally quicker to report ..

But ICICI,

This one is notorious for the time it takes to report

 

[D₹V]

These two generally quicker to report ..

This one is notorious for the toime it takes to report

Axis isn't quicker.

It takes almost 2 months time.

 

[Das.N]

These two generally quicker to report ..

This one is notorious for the toime it takes to report

True , ICICI didn't report in my profile in October, September k baad sidha November.
Aur mere liye mushkil ye hai, ki ICICI ka outstanding hi sabse jyada hai.

 

[SSV]

Axis isn't quicker.

It takes almost 2 months time.

for me it only takes a month.. max..