08-01-2012 11:55 AM - edited 08-01-2012 11:56 AM
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?
08-01-2012 01:26 PM
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.
08-01-2012 02:02 PM
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?
08-16-2012 09:27 PM
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.