Inquiries.

[Macchamps75]

I have looked around a lot and have not come up with much.  I pulled all 3 of my reports and have a lot of inquires (39) on one report.  A lot of them are dups. I was looking for a car and have a lot of random banks on the report looking ar my credit. I know this is a hard report and will stay on for 2 years. But how do i get rid of them or get them down? I remember somebody talking about calling the CRAs and asking them to combine. Does this seem to work? What would you do? Thanks guys and girls.

[llecs]

FICO only will factor in inquiries for the past 1 yr. So, ignore all the others. Also, CCCs will often only look at your past 6 months. Also if you did apply for a major loan like a mortgage or car note then all inquiries relating to each of the two are combined score-wise for a period of not 14 days, but 45 days.

For example, if you had 20 inquiries, and 15 of them were for a car, then you really only have 6 counting against you.

Before I really knew about this forum, I appd for every CC I could app for. So, on EQ, I have around 35 inquiries in the past 6-7 months. However, as my score improved, I became more selective and went after some prime TLs. When I was denied, none of them referenced excessive inquiries as an issue. It only mentioned that when my score was lower.

[Macchamps75]

thanks for the input IIecs.  They were all for an auto loan. I guees the dealer sent out my info to diffrant places then they would pull there own. Thanks for the info