fedexgirl wrote:Am I keeping my scores low by inquiring on my own credit reports? I was under the impression that if I did the inquiring, it wouldn't count against me. The only inquiries credit companies can view are the ones being made by companies I"m asking credit for. Is this wrong? I check each credit bureau nearly every month. Did I do this to myself????Fedex girl you can checkyour own report as often as you like. When you check your own reports this is a soft inquiry that does not affect your score. No one but you can view these types of inquiries.Your problem is not the inquiries you initiate against each bureau. It just seems that you need time for things to age and fall off. Even though your collections are paid off, they are still considered by the score for likelihood of repayment. If your history is only three years old, you will need to let it age in order to increase your score.