General Credit Topics

[maiden_girl]

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?

[apandabear]

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.

[jamie123]

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?

[maiden_girl]

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.

[pizzadude]

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