topic Re: Another dumb question in Rebuilding Your Credit

Another dumb question

LoveGoodCredit — Sun, 16 Dec 2012 16:14:22 GMT

OKay- I really need to know.

How long do creditors look back for inquiries.

I cant get them off my reports. I know they only really affect your score for one year but show up for two years.

I want to try for the walmart card while my experian and TU scores are high.

Any thoughts? I have 9 inquiries throughout last year and Walmarft already put on my denial letter I had to many inquires.

Re: Another dumb question

Repo-ed — Sun, 16 Dec 2012 16:21:55 GMT

@LoveGoodCredit wrote:
OKay- I really need to know.

How long do creditors look back for inquiries.

I cant get them off my reports. I know they only really affect your score for one year but show up for two years.

I want to try for the walmart card while my experian and TU scores are high.

Any thoughts? I have 9 inquiries throughout last year and Walmarft already put on my denial letter I had to many inquires.

Computers can see them for 1 year. Through a MR, they can be seen for 2 years, before falling off completely.

Re: Another dumb question

LoveGoodCredit — Sun, 16 Dec 2012 16:27:29 GMT

Yes but how long till they are considered when filling out for new credit?

Walmart said I had too many inquiries and I have 9.

Re: Another dumb question

Anonymous — Sun, 16 Dec 2012 17:37:08 GMT

I believe pulls affect score for one year but remain on ones credit report for two.

Not sure why Mortgage pulls affect score two years, though. Seems pretty brutal. I applied for a mortgage last year and ended up with two pulls from the same company with one listed as an MR. Was not happy, LOL!

Re: Another dumb question

LoveGoodCredit — Sun, 16 Dec 2012 17:54:15 GMT

I know, they are brutal, seems like noone wants you to improve credit so you get denied!

Re: Another dumb question

Anonymous — Sun, 16 Dec 2012 18:24:50 GMT

@LoveGoodCredit wrote:
I know, they are brutal, seems like noone wants you to improve credit so you get denied!

Sorry but, 9 inquiries is just a lot.

Things will improve as they age but excess inquiries sends up red flags and makes creditors think people are disparate. FWIW, take my advice with a grain of salt, there are posters here who disagree and app until someone says yes.

Re: Another dumb question

LoveGoodCredit — Mon, 17 Dec 2012 03:22:22 GMT

I know, it seems like it but they were really spread out. I thought for each 10 point jump I would try. Little did I know.

A lot will be one year in April.

I have 2 collections now before I had 6 when I applied for the walmart.

I need another credit card.