Credit Cards

[concorduser]

Did any one try asking Amex to remove the hard inq's on your EX Report? I am trying to cleanup my report. There are 10 hard Inq's on my EX by Amex. I guess when I was young and foolish I have applied for Amex Card relentlessly. Do you think I would have any luck in asking Amex to either remove these inq's or turn them into soft inq's?

[ByrdMan]

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concorduser wrote:
Did any one try asking Amex to remove the hard inq's on your EX Report? I am trying to cleanup my report. There are 10 hard Inq's on my EX by Amex. I guess when I was young and foolish I have applied for Amex Card relentlessly. Do you think I would have any luck in asking Amex to either remove these inq's or turn them into soft inq's?

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How old are these INQs, Concord?

[concorduser]

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ByrdMan wrote:

How old are these INQs, Concord?

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I think 4-5 from this year and rest from last year.I have total 72 inq's on my EX for last 24 months. I am hoping if Amex takes out these 10 my total will drop to 62. Do you think Amex would recode them as soft or remove them?

[ByrdMan]

Honestly, I don't think that they will. I wish for your sake that they would, but I don't think that they will. I was hoping that your "young and foolish" days were closer to two years ago, so that they would fall off naturally. I would say that if I were in your position, I guess I would try though. I wish you the best, my friend.

[jahmal]

**bleep** 72 INQ on 1 CR. How many accounts did you get from all those INQ? That said, I doubt Amex will remove anything so your best bet would be to freeze ex for the near future or in your case freeze all three.

[ByrdMan]

Concord has vowed that he is in credit gardening mode, so no need to freeze them, right Concord?

[concorduser]

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ByrdMan wrote:
Concord has vowed that he is in credit gardening mode, so no need to freeze them, right Concord?

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Yes. You are right. No more apping so no need to freeze accounts. I am trying to clean up the reports. I have few lates and one paid collection. I am trying to get this negatives out.