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Hi everyone
I have 20 inquries in the last 5 months (Before november 5th). Like 20 from experian and 15 from Tran'sunion and equifax.
What do I do?
Freeze your credit reports. Find a goal to work towards. Find a hobby.
@Anonymous wrote:Hi everyone
I have 20 inquries in the last 5 months (Before november 5th). Like 20 from experian and 15 from Tran'sunion and equifax.
What do I do?
Hi OP and welcome to myFICO
You’ve accomplished Goal 1. You know you’re struggling (sorta).
You’ve accomplished Goal 2. You’ve asked for help. Kudos to you!
Goal 3 is taking to heart and putting into action what other posters have said. Stop applying for credit.
Goal 4 - Visit the Rebuilding Section at https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/bd-p/rebuildingcredit and spend the next 3 months reading and absorbing how others have gotten the ball rolling to either establishing or re-establishing a positive credit profile. When I found this forum, I read and read and read some more for months on end before I applied for my second CC.
Goal 5. Understand that building a credit profile that lenders love to see is akin to a marathon. It takes work. Hard work! Diligence, time, and patience are key.
Goal 6. Understand that once you get a denial, treat it as a blinking neon light. It's time to stop and reevaluate things. Know that denials begat denials.
And finally, realize it's going to happen when you make it happen. GL2U