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Has anyone had any experience with a workaround? Wether debt has been paid not paid or settled any input at all? Any threads that came up in my search where all pretty much outdated. Any experience ?
Unable to obtain new credit due to too many inquiries
You can't remove legitimate inquiries. You'll just have to wait on obtaining new credit until some of them age off.
Nope
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@unas2k5 wrote:Unable to obtain new credit due to too many inquiries
The above posts are correct, there's no basis to have legitimate inquiries removed from your reports.
How many inquiries do you have showing now, and how recent are they?
I also agree... you can't have inquiries removed. If you file a dispute on them with the credit bureaus they'll respond saying that inquiries are a matter of fact of your credit being pulled.
Give it 6-12 months and you should be in good shape again!
There usually isn't a work around for major banks. Even if the negative accounts have aged off your credit report, the banks each keep their own internal data about past accounts you've had with them. From what I've read, some people manage to get approved for co-branded cards after years on the blacklists, while others still can't get even that. Fully paid accounts are more likely to get you off the blacklist sooner, settled and unpaid seems to take the longest, if ever. The banks want their money.