Inqs falling off soon

[WallyxD]

I have about 17-18 inquiries on my TU report and about 8 are due to fall off on or before 9-30. I understand that 10 is still is a lot and that they no longer affect my score after 1 year, but will lenders look at my report any differently than if they were to see it say, today? All of the inquiries were desperate attempts at getting a private loan for school a couple of years ago and I CANNOT wait until they are gone.

[armbenderc]

---

@WallyxD wrote:
I have about 17-18 inquiries on my TU report and about 8 are due to fall off on or before 9-30. I understand that 10 is still is a lot and that they no longer affect my score after 1 year, but will lenders look at my report any differently than if they were to see it say, today? All of the inquiries were desperate attempts at getting a private loan for school a couple of years ago and I CANNOT wait until they are gone.

---

From my experiences with the MAJOR lender so far, the INQs do not matter at all. Assuming that you have stellar credit and little to no baddies.

I was approved with Amex BCE with 13 inqs

I was approved with CSP with 14 inqs

I was approved with BoA with 15 inqs

Just like you, half of my INQs are falling off in August-October.

[09Lexie]

I have found this to be true too.

[WallyxD]

Well i ask because I was denied discover it (student version) twice and the reasons were inquiries in the past 24 months and the past 6 months. So if I were to reapply at the end of year, and me only having two inquiries in the past 6 months and with 8 due to fall off by then, do you guys think I'd have a chance, granted I get a handle on my utilization?