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I have a few inquiries on my credit report within the past 12 months. Is there a way that you can have certain inquiries
removed from your credit report? I am going to copy and paste my inquiries on here.
Inquiries made in the last 12 months:
-------------------------------------
1. 05-29-09 FA CREDCO (TUC-F01207005) APP,CAP
2. 05-29-09 METAINDIGO (EFX-133FY00091) (CAP) Decode 44
3. 05-29-09 RELS CRDT (EFX-181ZB03245) APP,CAP
4. 05-29-09 RELS REPORTING SERVICE (XPN-FR3970665) APP,CAP Decode 56
5. 05-29-09 RELSCREDIT (TUC-F00728002) APP,CAP Decode 57
6. 04-17-09 TW CABLE (EFX-910UT25071) (CAP) Decode 67
7. 02-19-09 VERIZON WIRELESS (XPN-UW1944271) (APP) Decode 73
8. 02-17-09 VISION FINAN (TUC-Y03433334) (CAP) Decode 74
9. 02-07-09 TARGET NB (EFX-613DC15820) APP,CAP Decode 64
10. 02-06-09 DRIVE TIME (TUC-A01082936) APP,CAP Decode 20
11. 02-06-09 DT CREDIT (EFX-152FA12919) APP,CAP Decode 21
12. 02-06-09 DT CREDIT (XPN-FA0600023) APP,CAP Decode 22
13. 12-01-08 GEMB/WALMART (TUC-N01212732) (APP) Decode 31
14. 11-11-08 BRCLYSBANKDE (TUC-B00007272) (CAP) Decode 8
15. 11-11-08 FIRST NATIONAL BANK TE (XPN-BB1126228) (CAP) Decode 27
16. 10-27-08 CIT BANK/DFS (XPN-BB3135860) (APP) Decode 12
17. 10-22-08 RPI (EFX-682ZB05428) APP,CAP
18. 10-21-08 RPI (EFX-682ZB05428) APP,CAP
19. 10-10-08 ACS (XPN-YC3981126) APP,CAP Decode 2
20. 09-03-08 CASH CENTRAL (TUC-P01634365) (APP) Decode 9
21. 08-07-08 WELLS FARGO BANK CBG (XPN-BB1115584) (APP) Decode 80
22. 07-30-08 CORTRUST BAN (TUC-B00002026) (APP) Decode 15
23. 07-30-08 SALUTE/UTB (EFX-401ON02248) (CAP) Decode 61
24. 07-29-08 CITIFINANCIAL (XPN-FP1565540) (APP) Decode 13
25. 07-29-08 FBOFDEL (EFX-401ON02057) (APP) Decode 24
26. 07-29-08 WELLS FARGO (TUC-Z00006167) (CAP) Decode 79
27. 07-29-08 WELLS FARGO BANK CBG (XPN-BB1115584) (CAP) Decode 80
28. 07-28-08 IST BK OF DE (TUC-B05950465) APP,CAP Decode 33
29. 07-28-08 TELETRACK (XPN-ZF1975298) APP,CAP Decode 65
30. 07-27-08 1ST PREMIER (TUC-B00020123) (APP) Decode 1
31. 07-27-08 GEMBCHEVRO (EFX-404OC00554) (APP) Decode 30
32. 07-17-08 COMPASS BANK (TUC-B00009224) (APP) Decode 14
33. 07-16-08 WACHOVIA (TUC-B06199080) (APP) Decode 76
34. 07-14-08 JUSTICE FINANCE COMPAN (XPN-FP9500391) (APP) Decode 36
35. 07-10-08 LTD (TUC-Y05921434) (CAP) Decode 39
36. 07-08-08 INFO1-GA (EFX-401ZB01238) APP,CAP
37. 07-08-08 LANDAM CR SV (TUC-Z07183287) APP,CAP Decode 37
38. 07-08-08 LANDAMERICA CREDIT SVC (XPN-FR2970302) APP,CAP Decode 38
39. 06-09-08 ACS (XPN-YC3981126) APP,CAP Decode 2
NaturallySweet wrote:
When you say legit what exactly do you mean? Majority of them are from creditors just checking to see if my credit score is better or not and some of them are from when I tried to apply for a charge card and the rest is for applying for a mortgage loan.
Don't forget that mortgage loan inquiries made within a two week period are scored as a single inquiry, so these won't individually hurt your score.
NaturallySweet wrote:
When you say legit what exactly do you mean? Majority of them are from creditors just checking to see if my credit score is better or not and some of them are from when I tried to apply for a charge card and the rest is for applying for a mortgage loan.
You need to know which inquiries are soft and which ones are hard.
Soft inquiries are only visible to you and they do not matter for credit scoring purposes - there is no point in having them removed.
NaturallySweet wrote:
I get what you are saying now. Those inquiries are a mixture of hard and soft inquiries. I do understand that hard inquiries are going to be on your report for a period of 2 years, but i'm sure there is a way to have those creditors who have soft inquiries on your report to remove them, especially if they just checked your credit and you were not approved for what you applied for or them just doing a pre-approval check.