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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

How to Improve My score/Credit chances

[ Edited ]

It seems almost impossible to improve my score when all the agencies are reporting different information. I have one agency reporting 17 inquires (EX), TU reporting 11 and EQ reporting 6 inquires...no idea how that happened. Is there anyway I can send a request to the credit bureaus to remove all inquires?

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
Posts: 200
Registered: ‎03-15-2012
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Re: How to Improve My score/Credit chances

Different lenders, credit agencies, collection agencies, landlords, service providers and prospective employers pull different credit reports. They can pull whichever one they want, and they could pull 2 or 3 if they want. It's completely normal to have different inquiries on each CRA report.

 

And the inquiries, assuming they are there for a permissable purpose, cannot be removed until they age off (2 years). They don't affect your FICO score at all after 1 year.

 

Hope that helps.

2009-10 - C/Os
2011 - Debts paid, no open credit
2012 - Rebuilding started, secured cards opened, SL rehabbed - EQ myFICO 636
2014 - 10k Discover, 3.5k Freedom, AmEx Green, SL, Auto Loan - EQ myFICO 695
Valued Contributor
Posts: 1,108
Registered: ‎03-22-2012
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Re: How to Improve My score/Credit chances

Do you know why you have so many inquiries?

 

If inquiries are accurate there really isn't any way to get rid of them. After 1 year they won't affect your score even though they remain for 2 years.

 

What are you trying to do to improve your score?

 

How many baddies and what kind of baddies do you have on your report?



Starting Score: EQ 658 6/18/12
Current Score: EQ 705 4/16/15 - EX 707 3/8/15 - TU 707 3/8/15
Goal Score: EQ 720+
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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: How to Improve My score/Credit chances

I don't have any baddies on my report other than several inquires. I'm trying to get my score as high as possible so I can apply for a higher CL card. Preferably a Citibank card.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: How to Improve My score/Credit chances

 

Don't worry about the inquiries.    Focus on cleaning up any negative or derogatory items on your credit reports.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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