lookin for a car but too many inquiries. help

[Anonymous]

im looking to get a car asap but im worried cause i have too many inquiries on my report.   i have no credit history. my fico is 590.     im also looking to improve my credit but its very difficult without havng more inquiries.  any suggestions?

[racer-x]

Welcome.

And just how many  do you have across all 3 bureaus?

[Anonymous]

Equifax : 21

Experian: 11

Transunion : 15

never once kept up with my credit score.   the equifax inquiries suprised me cause i thought some of the credit checks were suppose to be soft pulls.

[racer-x]

Dam n.  I'm guessing you were denied for most or all of those INQ's?

Buy here pay here lot?  You got cash, good income?

You need to not app for anything for 2 yrs. Period. 

You need to get a secured credit card or 2.  In 6 months your scores should be ok to graduate into a regular card. 

Do you have a wife, parents or anybody that has great credit and are responsible, that would make you an AU on an accouunt or two?

[Anonymous]

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@Anonymous wrote:

im looking to get a car asap but im worried cause i have too many inquiries on my report.   i have no credit history. my fico is 590.     im also looking to improve my credit but its very difficult without havng more inquiries.  any suggestions?

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Maybe you can find a credit union in your area that will work with you. They will probably offer you the best rates and pull your credit the fewest amount of times.

[Anonymous]

denied to all of them. i dont make too much income ($1300 a month).  im going to tr to look for secured cards that dont pull your credit.  i have about 4-5 inquiries coming off in 2 months.  definately want to try picking up my score asap. 

[gdale6]

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@Anonymous wrote:

denied to all of them. i dont make too much income ($1300 a month).  im going to tr to look for secured cards that dont pull your credit.  i have about 4-5 inquiries coming off in 2 months.  definately want to try picking up my score asap. 

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score wise inqs only affect Fico 6 months to 1 year.