Rebuilding credit

[Anonymous]

When I first started out with credit I sent out a bunch of inquires. In 12 months they should no longer affect my credit right? What can I do to rebuild my credit in the meantime 

[Anonymous]

They'll fall off your credit after 24 months, not 12. 

For  now, you can Garden
Just sit along and wait until the 2 years passes.... 
If you have any baddies, you can work on getting those removed. Or if you have a credit card, use it, pay it use it pay it

[Anonymous]

They have less effect after 12 months.

[Anonymous]

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@Anonymous wrote:

They have less effect after 12 months.

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Ugh tell that to the dealership that refused to give me a loan because I had "too many inquires" that are due to fall of in February.. jerks. 

I wasn't aware it had less effect after 12 months.. That's cool.

[Anonymous]

It has less effect on FICO at the 12 month mark.

[Anonymous]

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@Anonymous wrote:

It has less effect on FICO at the 12 month mark.

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Incorrect. They have NO score effect after twelve months. Thats well documented by FICO.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

It has less effect on FICO at the 12 month mark.

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Incorrect. They have NO score effect after twelve months. Thats well documented by FICO.

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Alrighty then, I stand corrected!

[Anonymous]

Sweet because I have 6 cards to garden with