Inquires

[Anonymous]

If a collection agency pulled my credit and have now found out that my name was removed a year ago from liability and have dropped they’re case can I have them remove there inquire? Will it make a shore change? I only have two inquires but in back to back months and am looking to buy a house in a month. Thanks

[fused]

Assuming these are hard inqs, if they are more than 12 months old they are not having any affect on your scores.

[Anonymous]

Sorry my message was a little confusing.......the inquiry is only 2 months old, if I have them remove it will it help the score. Thanks!

[Tuscani]

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wtfidma wrote:

Sorry my message was a little confusing.......the inquiry is only 2 months old, if I have them remove it will it help the score. Thanks!

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Don't stress over inqs.

[Anonymous]

I thought that whenever I view my credit report online it's only a "soft pull" today I spoke with someone directly from equifax & the rep told me that it's the opposite that every time that I use my fico to veiw my report it's going to be a "hard pull" that wont show up online but only on my EQ report directly from the agency, can someone please shed some light on the situation for me, Thanks

[Anonymous]

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pepper06 wrote:
I thought that whenever I view my credit report online it's only a "soft pull" today I spoke with someone directly from equifax & the rep told me that it's the opposite that every time that I use my fico to veiw my report it's going to be a "hard pull" that wont show up online but only on my EQ report directly from the agency, can someone please shed some light on the situation for me, Thanks

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The rep read the wrong cue card.

Law says that when you check your own credit it will not show as an inquiry.

[Jesedmotherof5]

cue card... your soo funny!

[Anonymous]

Ha,That's what I thought!

[haulingthescoreup]

Wow, that CSR was completely incorrect. I just looked at the softs on my EQ report to answer another post, and I can assure you that they are softs. Good Lord, I would have literally hundreds and hundreds of hards on all three CRA's if my own credit pulls were being counted!

for the OP, that CA inq might be worth 3 points, if that, unless your scores are already up in the high 700's or something. It's probably not worth the hassle of trying to get it off.