Help with removing credit Inquiries

[tictoc]

Does anyone know how to get credit inquiries off credit reports??  TU and EQ only show 2 so I'm ok with those but EX shows 7 all the credit inquiries are legit but it just looks like I was asking for credit everywhere and has affected my score by like 20 points.

By the way all the credit inquiries were due to trying to refinance so I went to a couple banks & car dealers.

[pizzadude]

Can I ask where you got your EX score ? As consumers we can't purchase EX FICO scores.

You will really have a tough time removing these. They were from a business transaction that you initiated, so the companies had permission to pull your credit.

Also the scoring damage may not be as bad as your think ~ if they were all coded as Auto inquiries then FICO scores them as a single inquiry within a month or so window.

[tictoc]

I purchased my scores from freecreditreport.com, my EX score was 593 and now its 580 so it went down 13 points, EQ shows my score at 623 and TU has it at 505

[pizzadude]

These are not FICO scores. There are only a few places ( like here ) that will sell you FiCO scores, which are the scores that 90% of lenders use.

I wouldn't worry about the inquiry damage. If you have lates or other negatives on your report I would focus on them to boost your FICO scores.

[tictoc]

Oh ok then i'll shift my focus to remove some baddies! thanks 

[kpresod]

Is transunion.com one of those places? 

[pizzadude]

Nope, unfortunately TU doesn't seem to sell a FICO score anymore.

They used to sell a FICO at TransunionCS.com but that no longer seems to work.

[kpresod]

ok, so apart from myfico.com do you by any chance have a list of those sites?

[pizzadude]

I do not ~ but I'm sure someone else will post or just do some searching around the forums.

I haven't purchased a score in over a year ~ now that creditors are required to disclose your score when they counter~offer or deny you, I have been using those scores to monitor where I stand. And some creditors actually give your score even when you are approved.

[beb86]

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@kpresod wrote:

ok, so apart from myfico.com do you by any chance have a list of those sites?

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there is a new site that gives you all three reports but its still in beta testing its www.mycreditplan.org more info can be found under credit in the news section on the myfico fourms. on the plus side credit inq only affect your score for 12 months.