How many new accounts before I start getting denied for an auto loan in Oct? (Fico 8 score 820)

As I understand, DCU gives some fantastic auto loan terms (1.5% for its members, which can be anybody from the general public), and they want mostly 680 and above to qualify for that rate. So you're possibly fine unless maybe you hit double digits in inquiries?  Now I also understand that you might qualify for 0% financing at some places; their models (the auto enhanced ones) might penalize more harshly than FICO 08 for opening up new CC accounts so you may want to be careful with that.  The current MyFICO package offers those scores as well, I believe. Why don't you check where you are with all the new accounts w.r.t auto enhanced scoring? 

connect4dots wrote:
Fico 8 Score: 820AAoA 9 years. 30+ accounts (more than half closed). Oldest Account: 25 years.Clean report,. 0 lates/negatives. Thinking about doing an auto-loan in October. I understand its ideal to wait for 6+ months. But worst case I'll just wait another couple months or just buy my car outright. But to get a better idea and understanding of how far I can push this. Given my score and history, how many new accounts before I start running into trouble? I applied for 2 new CC so far. I'm going to APP for another 1-2. So in October this is what my inquires will look like: (4 new inquiries)Hard Inquires with past 6 months: EXP: 2-3. EQ- 0,  TU: 1-2  Hard Inquiries older than 1 year: EXP: 3, TU:2, EQ: 1 3-4 New accounts that are 3 months old: What do you guys think? Always appreciate everyone's advice and input, Thank you!!!Not sure the answer but...you're my hero.

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