Most inquiries drop off after 2 years some after 6 months. There are two types of credit inquiries: those that do
not affect your score, or “soft” inquirie,, and those that are included in your credit score, or “hard” inquiries.
Examples of soft inquiries include: requests you make to the credit bureaus for copies of your credit report or
score, use of credit information by existing lenders for account review purposes, use of credit information by
lenders for “pre-approved” credit offers, inquiries used in making employment decisions, and inquiries for
tenant screening (done by a landlord when you apply for housing). These inquiries are shown only on the
credit report that you request directly from the credit bureaus, and will not be seen by potential creditors.
Hard inquiries are those you initiate, including mortgage and auto loan applications and credit card
applications. These types of inquiries are included in the formula used to calculate credit scores; therefore,
too many can result in a lowering of your score. Under the Fair Credit Reporting Act, these types of inquiries are
the only ones authorized to appear on your credit report.
2007-07-16 15:28:15
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answer #1
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answered by destiny07 1
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destiny07 is correct.
Inquiries drop off after 24-months. If they are ones that you were responsible for like credit cards, auto loans, mortgages or personal loans there is no way to remove them.
2007-07-17 10:36:50
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answer #2
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answered by ? 7
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If you authorized the inquiries, you can't. They are a part of your credit history.
2007-07-16 23:14:42
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answer #3
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answered by acermill 7
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You can't. They really should not make that much difference though. Unless you are doing just TONS of inquiries in a short period of time.
2007-07-16 22:20:56
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answer #4
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answered by Anonymous
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Don't worry about inquaries, just make the payments and worry more about making money :)
2007-07-16 22:33:31
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answer #5
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answered by wallstsearch 1
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NOT
2007-07-16 22:17:26
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answer #6
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answered by jon_mac_usa_007 7
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