Need Help being turned down because of to many Inquiry

[Anonymous]

I dont know if im posting this is in the right spot or not an i apologize if im not but im appauled and was unaware that i had so many inquiries on 01/15 i puchased a car and a camper and it appears that these dealers went shopping around to different banks who then pulled my credit. so now i have like 22 of them and i dont know how to get them off i only authorized the dealer where i made the purchase. is there anything i can do to get them off?

[Pway]

No, you authorized that dealer to pull your credit.  Then they shop around for the lowest interest and payment.  The finance office is a trip, when trying to get one approved and this happens sometimes.  That's why it is always recommended to come in with your approval already.

[taxi818]

But the good news is fico reconizes that this happens and your score does not suffer from it. it will count them all as a single pull even though they are on your report. if a lender questions why so many. in manual review they will be able to see you went car shopping and you will still be ok. good luck.

[Anonymous]

Your kind of stuck with them I'm afraid.  Same thing happened to me last year when I bought a new truck and ended up with 21 inquires on EQ and 16 on EX.  My score when it was started was 583.  I got a cap 1 card and then proceeded to get a Wlalmart store card, platinum visa from USAA, and Amazon store card.  I didn't apply for anything for 3 months, then I was able to get a BCE and ED card, Venture One, and a BBVA Amex.  Now my focus is utilization.  What is your goal?  Mine is 720 to get a good mortgage rate.  I've read that SDFCU will do a secured card without a hard pull if you open up an account with them.  I was lucky that I didn't have to go the secured route, but I've also learned from my rebuilding process from the great people that supply advice on the forum which cards I am most likely to get approved for.  Whatever they suggest is usually sound advice.  Do you have any established relationships with any banks.  Mine are USAA and BBVA.  Chase and Citi won't touch me cause of score and inquiries.  Barclays says I have too many new accounts (They do Transunion which I only have 4 inqs now).  If you can identify what you ultimately want, then you will receive good advice.  Good luck.

[taxi818]

Honestly when scores are borderline this is what happens. in many cases. if you had higher score. they would pull it once or twice and thats it. you would start out with great rate. i know fico does not like people mentioning these things. but you could always protect your self. with a security item and not direct a lender. but only unfreeze when the dealer has got an offer already. instead of letting him shotgun your report and trying to see what sticks. geez.