Inquiries!

[Uncle_Money]

Hi All,

Here's a topic that often arises; Inquires

At what point does this no longer matter? I'm now up to 14 on my Experian.. the last 2 inqs were made within the last 30 days. I'm going to see #15 shortly because I'm going to be personally guaranteeing an account for my business. Other than this, my credit history is STRONG ...super low utilization (under 10%), decent AAoA and zero baddies. I'm wondering if this will outweigh the inqs?

Has anyone experienced success with a goodwill letter to remove inquiries?

UM

[bichonmom]

I haven't even been able to get UNAUTHORIZED inquiries off! I don't think any bank/ccc will do that unless there's a really good reason -- like it was their error. And even then, it would likely be a fight for you. At least, that's my experience.

[frogfan12]

From what I've experienced, nothing but time will get rid of inquiries. I have a couple that will fall off later this year. You just have to let time pass and let those inquiries fall off. 

[vizon]

I've gotten inquries deleted before by calling the company. Working on a few others that appeared too.

[daneatreia]

send gw letters, I have had a few removed that way.

[LTomBerry]

This is interesting. You guys mind saying what banks were willing to delete inquiries? Were they legitimate inq's or were they because of mistakes?

[bichonmom]

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@LTomBerry wrote:

This is interesting. You guys mind saying what banks were willing to delete inquiries? Were they legitimate inq's or were they because of mistakes?

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+1 I'd like to know this as well. I have had to fight like the dickens to get an unauthorized inq made in error off of my rept. I've yet to find a bank that would do it as a "courtesy."

[LS2982]

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@Uncle_Money wrote:

Hi All,

Here's a topic that often arises; Inquires

At what point does this no longer matter? I'm now up to 14 on my Experian.. the last 2 inqs were made within the last 30 days. I'm going to see #15 shortly because I'm going to be personally guaranteeing an account for my business. Other than this, my credit history is STRONG ...super low utilization (under 10%), decent AAoA and zero baddies. I'm wondering if this will outweigh the inqs?

Has anyone experienced success with a goodwill letter to remove inquiries?

UM

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I don't think you can GW an INQ away. But I would think if all your other stats are good that a lender may let the INQ's slide if they were not recent (at least 6 mo's old)

[jeffery581]

If the inquiry is invalid and not authorized call and raise a fuss. Otherwise for legit inquiries try a GW letter- worth a shot, nothing to loose.