Reply
Established Contributor
Posts: 530
Registered: ‎07-28-2008
0

Inquiries!

Hi All,

 

Here's a topic that often arises; Inquires

 

At what point does this no longer matter? I'm now up to 14 on my Experian.. the last 2 inqs were made within the last 30 days. I'm going to see #15 shortly because I'm going to be personally guaranteeing an account for my business. Other than this, my credit history is STRONG ...super low utilization (under 10%), decent AAoA and zero baddies. I'm wondering if this will outweigh the inqs?

 

Has anyone experienced success with a goodwill letter to remove inquiries?

 

UM

Equifax Fico 785 as of 01/18/2012
Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: Inquiries!

I haven't even been able to get UNAUTHORIZED inquiries off! I don't think any bank/ccc will do that unless there's a really good reason -- like it was their error. And even then, it would likely be a fight for you. At least, that's my experience.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Contributor
Posts: 872
Registered: ‎10-16-2010
0

Re: Inquiries!

From what I've experienced, nothing but time will get rid of inquiries. I have a couple that will fall off later this year. You just have to let time pass and let those inquiries fall off. 


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Contributor
Posts: 139
Registered: ‎01-28-2012
0

Re: Inquiries!

I've gotten inquries deleted before by calling the company. Working on a few others that appeared too.

Regular Contributor
Posts: 109
Registered: ‎11-22-2011
0

Re: Inquiries!

send gw letters, I have had a few removed that way.


Starting Score: equifax 543myfico,experian (fako)634 quizzle, 605 walmart tu08
Current Score:equifax 649 myfico,experian 643 FICO (lender pull) , 651 walmart tu08, 650 Transunion 98 FICO (lender pull
Goal Score: 680 all three Dec 31 2012


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 399
Registered: ‎08-02-2011
0

Re: Inquiries!

This is interesting. You guys mind saying what banks were willing to delete inquiries? Were they legitimate inq's or were they because of mistakes?


Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge
Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
0

Re: Inquiries!


LTomBerry wrote:

This is interesting. You guys mind saying what banks were willing to delete inquiries? Were they legitimate inq's or were they because of mistakes?


+1 I'd like to know this as well. I have had to fight like the dickens to get an unauthorized inq made in error off of my rept. I've yet to find a bank that would do it as a "courtesy."

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Inquiries!


Uncle_Money wrote:

Hi All,

 

Here's a topic that often arises; Inquires

 

At what point does this no longer matter? I'm now up to 14 on my Experian.. the last 2 inqs were made within the last 30 days. I'm going to see #15 shortly because I'm going to be personally guaranteeing an account for my business. Other than this, my credit history is STRONG ...super low utilization (under 10%), decent AAoA and zero baddies. I'm wondering if this will outweigh the inqs?

 

Has anyone experienced success with a goodwill letter to remove inquiries?

 

UM


I don't think you can GW an INQ away. But I would think if all your other stats are good that a lender may let the INQ's slide if they were not recent (at least 6 mo's old)




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 375
Registered: ‎03-26-2010
0

Re: Inquiries!

If the inquiry is invalid and not authorized call and raise a fuss. Otherwise for legit inquiries try a GW letter- worth a shot, nothing to loose.

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Mastercard | JCP | Kohl's | Conoco | Bloomingdales | Shell | CareCredit | Firestone | Walmart | Academy Sports Visa | Macy's | Target | Amazon | Gap | Norstrom | PepBoys | Von Maur | Chevron |
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.