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Inquiries!

Established Contributor

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

Message 1 of 9
8 REPLIES
Senior Contributor

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!

Message 2 of 9
Established Contributor

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
Message 3 of 9
Contributor

Re: Inquiries!

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

Message 4 of 9
Regular Contributor

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


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Message 5 of 9
Frequent Contributor

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

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Message 6 of 9
Senior Contributor

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!

Message 7 of 9
Mega Contributor

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)




EQ FICO 548 3/3/16
Message 8 of 9
Established Contributor

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.

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Message 9 of 9