My most recent credit applications have been rejected for the reason of "too many recent credit inquiries." How much time must lapse before one credit application stops being a negative factor in my future credit applications and my credit score?
2006-08-29 05:33:53 · 8 answers · asked by feelfelt 2 in Business & Finance ➔ Credit
6-12 months. They fall off after 2 years. Having a lot of inquiries put you into a high risk category since it looks like you are desperate for credit. GIve it some time. If you aren't getting approved there are probably other reasons besides inquiries. Have you checked your credit report to make sure everything on it is right? I would get a free copy of all three at www.annualcreditreport.com and check everything out. If there is stuff on there that's wrong, there are ways to correct it.
Good luck!
2006-08-29 05:37:43 · answer #1 · answered by personal_finance_101 3 · 1⤊ 0⤋
Generally, all inquires within 30 days are grouped together, this is a new practice that started a few years ago. A list of inquiries for the past two years is listed on your credit report-however, all inquires do not affect your credit score, only requests for new credit. Check out:
www.myfico.com
/crediteducation
/creditinquires.aspx?fire=5
2006-09-02 08:48:06 · answer #2 · answered by Ser021976 3 · 0⤊ 0⤋
Inquiries last for 2 years. There is a way to dispute inquiries, but you have to do it directly through the company, and not the credit bureau.
I will be glad to help you with letters if you will contact me (you will not be giving me any personal info, I just don't want to type the entire letter here; would prefer to scan and email to you).
Until then, you have to do the following:
1) Do not apply for credit anymore, as you already know what the answer will be. Inquiries look really bad to creditors, as it tells them to whom you have applied and that the company did not see you as worthy. The older the inquiries the better.
2006-08-29 06:04:44 · answer #3 · answered by Christian93 5 · 1⤊ 0⤋
Two years. Try going to this sight which is the best sight ever for all your credit questions...You can also talk to a live person here.
Federal Trade Commission (FTC)
Working for consumer protection and a competitive marketplace.
Category: Federal Trade Commission (FTC)
www.ftc.gov - More from this site - Save
2006-08-31 22:08:47 · answer #4 · answered by Anonymous · 0⤊ 0⤋
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2016-11-06 00:56:39 · answer #5 · answered by seelye 4 · 0⤊ 0⤋
What I did was do a credit check on myself and PRINT it and make copies and hand deliver or postal mail it to whomever wants it instead of having them run a credit check on you. I did this when I had to buy a new car so I didnt wind up having each car lot run a credit check on me constantly.
2006-08-29 05:41:12 · answer #6 · answered by Triskelion 4 · 1⤊ 0⤋
your inquiries stay on your credit report up to 90 days to negatively affect your credit.
2006-08-29 06:11:06 · answer #7 · answered by bianca 4 · 0⤊ 1⤋
'Affecting', not 'effecting'...
2006-08-29 05:36:26 · answer #8 · answered by a kinder, gentler me 7 · 0⤊ 2⤋