I currently had a score of 571, but the main thing holding me back is no revolving credit so I got a cap 1 secured, fingerhut(freshstart currently), and should have a $300 US Bank harley card coming in a week or two. But I also applied for gettington(denied), walmart(denied), Victoria Secret(Denied), and a month or so back a Barclaycard(denied) So my score is now 558 
I am hoping once my cap1 starts reporting it will overshadow points lost as not having any credit card at all seems to be hurting me a lot right now and the score simulator suggested my score to go from 571 to 621 once I get a card. Anyway I know it takes two years to fall off, but how long roughly does it take to stop hurting my score as bad and regain the points lost?
Typically 6 months to 1 year, at 1 year there is 0 effect on Fico.
lol yeah I am kicking myself for it now haha, forgot also I app'd for Amazon store card, and American Eagle outfitters too(both denied). I don't plan on app'ing for anything for at least 6 months probably longer. I was just trying to fix the two negatives things going against me which is two few accounts and no revolving history.
Do you mean I should write them to try and remove the inquries or for recon?
@MrCrabs wrote:Do you mean I should write them to try and remove the inquries or for recon?
It would be recon not removing the inquiries. You can recon typically within 30 days of the app.
Well I did try to recon a few over the phone immediately after getting the 7-10 days response, one(Sears I think) said they can't tell me why, and a few others said because I have no revolving account history, and that seems to be my biggest hang-up. I explained to one lady I can't have credit card history if I can't ever get a card and she understood, but said she couldn't do anything about and to try a secured card(which I already have).
@MrCrabs wrote:Well I did try to recon a few over the phone immediately after getting the 7-10 days response, one(Sears I think) said they can't tell me why, and a few others said because I have no revolving account history, and that seems to be my biggest hang-up. I explained to one lady I can't have credit card history if I can't ever get a card and she understood, but said she couldn't do anything about and to try a secured card(which I already have).
Ok, you have 3 new accounts now, use them and just sit back 6 months and let them report positive history then you will be in a better position for applying.
oh and I remember talking to one guy and asked if they can take into account that i have perfect history with my car which should demonstrate being responsible with loans/credit and he said no because it's not a credit card.