A year ago I was looking for a home improvement loan. I attempted to get a first time hom buyers grant but was denied because I didn't have a mortgage. I was referred to PNC bank who was supposed to be assisting me in getting a low cost loan, but I later found out applied for several conventional loans. The end result was 4 or 5 inquiries and hits to my credti rating. My credit plummented from 608 to 584. I eventually recieved a low interest weatherization loan and have been paying that regularly. Is it worth it to write to Tran/Ex/Eq, explain the situation and request that be counted as one inquiry? My credit scores have slowly improved (640). Will this help or hurt me?
