Help with inquiries

[Anonymous]

Hi, Sometime last February i got four store cards after a very long dry spell of not having credit (due to a divorce). I did some stupid things (before I knew better) and applied a lot to bunch of cards and my inquiries are through the roof. A lot of them are going to be a year old this month and in March, but I see in all credit reports it looks at two years. At what point do inquiries start to fall off the Fico calculation? In some credit monitoring sites I see 12 months ( which some will have) and other places I see two years.  Other than gardening, is there anything else I can do?

[MrsCHX]

Inquiries are no longer included in score calculations after 12 months. They are still visible for 2 years. You CAN be denied for too many inquiries even after the 12 month affect on scores goes away.  

[ForeverGardening]

I am in the exact same situation unfortunately

[Anonymous]

Many of us are.

[Anonymous]

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@Anonymous wrote:

Hi, Sometime last February i got four store cards after a very long dry spell of not having credit (due to a divorce). I did some stupid things (before I knew better) and applied a lot to bunch of cards and my inquiries are through the roof. A lot of them are going to be a year old this month and in March, but I see in all credit reports it looks at two years. At what point do inquiries start to fall off the Fico calculation? In some credit monitoring sites I see 12 months ( which some will have) and other places I see two years.  Other than gardening, is there anything else I can do?

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HI yf430,

Yeah unfortunatly gardening is the only thing you can do.  Me, I do not have a lot of INQs, but I have started being more frugal with apping.  I have been in the situation before of apping just to app, but for me now I try to be frugal with apping.  Trying my best to stay in the garden until at least May of this year to allow some to drop off, and I may app for something at that point.  I must also admit there have been times I was really itching to pull the trigger and backed away at the last minute.  My better half tells me that we do not need any more credit and I try to respect her wishes.  I do not currently have any Chase cards nor AmEx cards and my sights are set on those.  BUT it's only a sighting at this point in time for me... hehe....