07-18-2010 08:58 PM
ok, ive got about 45 HARD! inqs on each credit report, odd part is, some of the inqs are from back in 2009 when I was a minor? can these be removed or will it put a "fraud" indicator on my report if I try? if so, what exactly is does that do? I think I already have one because some credit cards I apply for deny me as "fraud indicator" or somewhat? & victoria secrete sent a letter saying they denied me for too many credit request & unable to verify identity? anyway I can recon this? any help would be great! thanks!
07-18-2010 10:28 PM
They fall off after 2 years... That is ALOT of inquiries though. Hows your score?
07-18-2010 11:50 PM
seeing your other posts, i see that you now have 3 secured cards... you might just want to sit back and let those age for the next year and let most of these inq to start falling off. you have all the credit now you need to build a great score if you use them right
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.