Regular inquiries, inquiry analysis, promotional inquiries and account review inquiries. Does'nt this hurt my credit report? I appreciate if I can be lead in the right direction as in another area to try on this site.
2007-01-30 11:58:39 · 9 answers · asked by Girlygirl 2 in Business & Finance ➔ Credit
You can't really get rid of inquiries.
The best way to prevent them is to stop applying for credit cards.
2007-01-30 12:02:19 · answer #1 · answered by Anonymous · 0⤊ 0⤋
A "hard inquiry" is the only kind that affects your credit report, and you have to make sure you don't let that happen except when you want it to. A "soft inquiry" makes no difference, and ANY TIME you are giving agreement to anyone to check your credit, you need them to definitively answer the question - hard or soft inquiry. You should not have a hard inquiry unless you are making a major purchase like a car or appliance or a loan or line of financial credit or possibly a utility approving your line of credit. You can't remove them as far as I know unless you can prove fraud.
2007-01-30 20:04:07 · answer #2 · answered by justbeingher 7 · 0⤊ 0⤋
Inquiries are just that: inquiries but they do not affect your credit score but if it was an inquiry that you made a purchase for then it would. For example an inquiry from a Job or apartment would not affect you but an inquiry for a credit card or car loan that you got would show up.
2007-01-30 20:08:12 · answer #3 · answered by lilzina112 2 · 0⤊ 0⤋
The promotional inquiries don't hurt you. Only the one's that YOU applied for, so the next time you're in a store that offers you 10% off of your purchase IF you apply for a credit card...DON'T! That 10% isn't worth it. If you get say, a Capital One 'pre-approved' credit card offer in the mail, the inquiry THEY made doesn't count against you, because you didn't request it.
2007-01-30 20:02:27 · answer #4 · answered by Lisa E 6 · 0⤊ 0⤋
You CAN'T remove inquiries on you credit report. Once they check your credit, they are there to stay for a bit. Yes, they pull your score down, however, they don't usually affect it by more that a few points.
Good Question though!
2007-01-30 20:02:36 · answer #5 · answered by AnswersGuru 3 · 0⤊ 0⤋
I just did it this morning...for myself.
Inquiries stay for two years. They do lower your score....only way to help this is to get any that were pulled by one company in a 30 day span pushed together....I was on the phone with Bureau
this morn.
http://www.expert-credit-advice.com/free_credit_repair.htm
http://www.ftc.gov/credit/
http://www.experian.com/consumer/index.html
try these...contact for more info. if ya need?
2007-01-30 20:02:47 · answer #6 · answered by The Saint 3 · 0⤊ 0⤋
Your credit report is not something YOU can edit. What is on there is on there for a reason and if we are talking bad credit ratings then these will eventually expire and then the onus is on you to contact the party who caused the note to be added to your report and ask them to strike it.
In the UK the period these "black marks" are on your record are (I think) 5 years. After that time I could apply to the creditor to have their note removed. Otherwise it may remain and no one be any the wiser.
2007-01-30 20:05:21 · answer #7 · answered by Anonymous · 0⤊ 0⤋
not worth the effort, just keep your bills paid
2007-01-30 20:01:29 · answer #8 · answered by monetspicasso 3 · 0⤊ 0⤋
Go to a website CREDIT.com and they have suggestions for you .
2007-01-30 20:03:01 · answer #9 · answered by CTM 1 · 0⤊ 0⤋