getting inquiries deleted

[Tuscani]

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brandipresidente wrote:

I had my credit pulled by (2) different dealerships for a total of 25 times (most are to the same auto financers) on different dates. I went to the dealerships with a preapproval letter in hand for my financing that clearly stated my credit need not be pulled again. I went from 726 equifax now I have a 568. Do I deal with the dealerships or each individual lender on the report to get them pulled. I told them very specificalIy I didn't want them to pull my credit although they told me they could get me a better interest rate. They did anyway and I am still financed through my own lender.

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Something else drastically changed on your reports. Any new late payments, collections. ect? Has your util changed?  There is no way Inqs would drop your score 150+ points.

[MidnightVoice]

Painful though they are, they are only supposed to be 10% of your score, and multiple auto dealers enquiring in two weeks should be treated as one inq.

[Anonymous]

I disputed the inq just recently because when I opened my checking account they did a hard inq. They most definitely did not have permission. I would have left enough alone except I was being denied for too many inq's. Now I am really mad at the bank. Have not heard anything from Eq in 1 week. It's still new. But I did notice soft pulls regarding the event. Inq has not come off yet but I will wait 30 days before writing a mean letter to the bank demanding removal due to credit denials. How unfair.

[Anonymous]

Honest and car salesman. That is a strange combination. Sorry this happened to you. I would try to get the car dealer finance dept. to remove some of them. But in any case.. Your score drop was more than 20 points. It could not be from inquiries alone. Am I correct?

[Anonymous]

You got that right, I had my 1st late payment show up as 60 days past due which was only 30 days past. The credit card company has agreed to correct it by removing the late. So in combination w/ inquiries and a past due it would drop me that low?

It makes me sick to have even had the 30 day late. But "life happens". I am still proud to say I went from no credit or even a credit score 18 months ago to a median of 726  down to the 500's.

Do you think with the inquiries deleted ( I am counting on 16 for sure coming off after my initial conversation with the Gen Managers) and the late coming off will I go up to something reasonable again?

Thanks for the help! What a TOOL this site is truly for those seeking to do the best they can.

[Anonymous]

Sorry duplicated my message

Message Edited by brandipresidente on 05-26-2007 12:03 PM

[smallfry]

For FICO scoring purposes I have no doubt that you are correct. Go apply for a credit card and see if you have a problem with a lender who is unfriendly to those with a lot of inquiries. A lot might only mean 8-12. Some credit junkies on some of these message boards have upwards of 50-100.

[fused]

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smallfry wrote:
For FICO scoring purposes I have no doubt that you are correct. Go apply for a credit card and see if you have a problem with a lender who is unfriendly to those with a lot of inquiries. A lot might only mean 8-12. Some credit junkies on some of these message boards have upwards of 50-100.

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Are u serious?  Did not think someone could have enough time to spend on 100 app's for credit.  Rest assured I am not loaning them anything.

[Tuscani]

I know people who have 120+ inqs.

[fused]

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Tuscani wrote:

I know people who have 120+ inqs.

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Once all of them drop and they are down to 0, how much might their scores increase?