Inquirys

[Anonymous]

I have some inquires that are due to drop off this year. I am working very hard on my credit to clean it up, we want to apply for a student loan to send my daughter to college in the fall.

Is there any way I can get the credit agencies to remove the inquiries a couple of months early

[RobertEG]

Removal of inquiries by the CRAs occurs at approx two years.

However, FICO discontinues them from any scoring after one year.

If they are greater than a year old, there is no scoring need to request any earlier removal.

[RonM21]

With that said, the only way fhey would hurt you is if a lender was concerned with how many of them you had showing, which could make some of them consider you s higher risk. Other than that, the scores are no longer effected.

[takeshi74]

Inquiries are a relatively small factor anyway.  Focus on the big factors.

http://www.myfico.com/crediteducation/whatsinyourscore.aspx