Hypocreditosis secondary to Hyperinquirosis
Jun 2, 2011 | 8:11 pm
#1
Original Poster
Join Date: Jun 2010
Programs: Whatever's Cheapest, Accruing Miles, Redeeming for Premium Cabins, Not Chasing Status Unnecessarily
Posts: 2,265
Hypocreditosis secondary to Hyperinquirosis
So credit karma tells me I have 15+ hard inquiries which rates an "F". All my other areas rate "A" or so except maybe one area is a "B"?
My credit score is 730's.
My sister says "HA, your insurance rates will skyrocket! All your miles/points are vaporized in comparison to the amt you will pay!"
Is she right?
Is there any way to make the hard inquiries go away?
Is it better after 6 months? after 2 years only?
My credit score is 730's.
My sister says "HA, your insurance rates will skyrocket! All your miles/points are vaporized in comparison to the amt you will pay!"
Is she right?
Is there any way to make the hard inquiries go away?
Is it better after 6 months? after 2 years only?
Jun 2, 2011 | 8:15 pm
#2
In memoriam
Join Date: Jan 2006
Posts: 4,020
IMHO, you don't really have a problem. If i only had 15 inks I'd have even better credit than I do. And mine is just fine. Ask Chase which kindly gave me a BA card and several others recently.
Good rule, never let your sibling see your credit report!
Good rule, never let your sibling see your credit report!
Jun 2, 2011 | 8:20 pm
#3
Original Poster
Join Date: Jun 2010
Programs: Whatever's Cheapest, Accruing Miles, Redeeming for Premium Cabins, Not Chasing Status Unnecessarily
Posts: 2,265
Ok thanks. It used to be about 770's before getting just about every solid card on the Milesbuzz! forum.
I think I will be more selective though from here on out.
Not looking to get a car or house in the next couple years anywho.
I think I will be more selective though from here on out.
Not looking to get a car or house in the next couple years anywho.
Jun 2, 2011 | 9:43 pm
#4
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,953
Jun 2, 2011 | 10:39 pm
#5
FlyerTalk Evangelist
Join Date: May 2002
Location: Pittsburgh
Programs: MR LT Titanium, AA LT PLT, UA SLV, Avis PreferredPlus, HH Gold, Hertz PC, National Executive, etc.
Posts: 31,678
When I refi'd last year, the mortgage company's quote tool required a credit score along with the other data. I just tried at - from 770 to 730 would cost $900 extra in closing costs at the same rate/term/all other factors. That's probably the biggest hit you'd see, IME. Insurance rates, etc., probably are $20-40/yr if anything. 730 is still in the very good, though not top, tier.