topic Re: Inquiries in General Credit Topics

Inquiries

Anonymous — Fri, 31 Oct 2008 13:27:55 GMT

How much do inquiries on my credit report lower my score and how do I get rid of them?

Re: Inquiries

Anonymous — Fri, 31 Oct 2008 15:14:34 GMT

The amount inquiries lower your credit score is dependent on your particular credit profile and is not easily predicted. Inquiries will fall off 2 years after the date and that is the only way to remove a legitimate inquiry.

Re: Inquiries

Anonymous — Fri, 31 Oct 2008 16:15:55 GMT

You might not notice any change in scores unless you receive new credit or have a lot of ings. Ings count for 1 year but will remain on the CR for 2 years.

Re: Inquiries

llecs — Fri, 31 Oct 2008 19:06:04 GMT

StartingOverAgain, I split your post into a new thread.

Re: Inquiries

Anonymous — Fri, 31 Oct 2008 20:37:58 GMT

@Anonymous wrote:
You might not notice any change in scores unless you receive new credit or have a lot of ings. Ings count for 1 year but will remain on the CR for 2 years.

I had 4 hard inqs all on EX (just my luck!) within 4 days as I was 'adjusting' my credit profile, and that score dropped 18 pts (from 807 to 789). But a year from now they won't count for the score, and a year later, they'll be gone. Definately worth the hit in my case.