Question about Inquiries and Mortgage

[BillyMoses]

Hi all,

I have somewhat of a noob question for ya.

1. If I apply for a credit card, will an inquire stay on my CR for a few years whether or not I am approved?

2. I'm 24, I don't have any CC's yet, I expect to get one this year. I want to be able to get a small morguage from my bank by the time I'm 28, but by that time I will have had credit history for only 4 years. Do I need a longer credit history to be approved for a small morguage of no more than 200 thousand?

Thanks in advance.

[pizzadude]

Welcome to the forums ! Regardless of whether you are approved, inquiries will remain on your credit report for two years but will only be included in FICO® scoring for one year. You have plenty of time to establish credit before you apply for a mortgage, just make sure you keep your utilization low and make all payments on time.

[bettercreditguy1]

There is no better time than now to start your credit history.  Where ever the road leads, always pay on time, and if possible early and in full. Good luck!

[Anonymous]

Can you remove inquiries that you did not authorize?  I have two inquiries and I do not have any idea who is the company.  The name is EMS.