gemntheholigram wrote:
Hard inquires do affect your credit score, approximately 10%. Yes you canwait out the two years but with the proper documentation you can dispute these and have them removed in a matter of 3 months (in my experience).
Disputing inquiries runs the risk of a fraud alert being placed on your reports, as you are essentially asserting that somebody else applied for credit in your name without your consent. Be aware ...
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