02-28-2013 05:28 PM
02-28-2013 05:34 PM - edited 02-28-2013 05:46 PM
I don't think it's worth it. If you have far too many inquiries for credit card loans, you ought to stop yourself. Mortgages and auto loans are consolidated as one if inquired over a short period a time, so having many inquiries of that isn't as bad, though u will have to explain to a human being most likely.
And besides, inquiries fall off completely after 2 years and doesn't factor into Fico scoring after 1. Paying 75 to remove a late payment, ca or bk record on the other hand would make a lot more sense.
If inquiries were the only reason holding you back, you can always try to call recon if you think there's a valid reason behind all that number of inquiries. If its simply due to credit card apps, just wait.
Edit: to add, inquiries are supposed to be remove only when there's fraud (such as made by someone who isn't authorized by you, or someone stole your identity and applied without your approval/knowing). If you're somehow removing inquiries that are supposed to be valid, that just sounds like commiting fraud itself. I don't know much about credit repair, so maybe it isn't as illegal as i make it seem to be. but before u do anything, definitely find out what he is doing and how he is doing it to your CR to avoid any future complications.
02-28-2013 06:52 PM
Your score is more than good enough for an Amex. How many are on your EX report and how old are they? Dude sounds like a scammer. I would stay far away. Even if he could do it, I don't see the point in paying to get rid of something that will age off in a couple years or less. Unless the inquiries are very recent, you probably wouldn't see a score increase anyway. Save your money.
02-28-2013 07:35 PM
This just REEKS of scam! Don't touch it. For heaven's sake, if your scores are as good as you've posted, just garden until the inquiries have dropped away or go ahead and take a shot at that Amex and find out what happens, and THEN garden. But OMG, stay away from this crazy inquiry removal scheme!
02-28-2013 08:07 PM
02-28-2013 08:09 PM
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