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They seldom stay on longer than 2 years

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Doc

Doc

Joined: 02 Dec 2008
Doc's page
Posts: 178
Location: McKinney, TX


1277 Magic Points

 
Posted on Sun Dec 14, 2008 1:49 pm  

They seldom stay on longer than 2 years....... If anything, they are within the month after the two year period....
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fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



123 Magic Points

 
Posted on Sun Dec 14, 2008 11:03 pm  

Thanks for the info, Although I believe two years is still quite a long time for just an inquiry.
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1238



28944 Magic Points

 
Posted on Mon Dec 15, 2008 6:37 am  

Hard inquiries automatically goes off from your credit report after 2 years. Each hard inquiry lowers your credit score because hard inquiry is made only when you apply for a new line of credit. When you apply for more and more credit, it implies that you are credit hungry which no doubt gives a negative image about you to the creditors because it may happen that you go for more and more lines of credit and later you may be unable to repay it bank.
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Justin
Leticia
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Subject: gbSArkFEOUjUrGX
 
Posted on Sat Aug 31, 2013 12:24 am  

First off, I have been a claims adtesjur for 20+ years. Using a credit report to help determine rates is pure BS. As another poster stated many people with good credit suck at driving. Their the ones who are wealthy and too busy to pay attention while driving. I have investigated 1000 s of accidents and there is absolutely no correlation between bad credit and bad driving. I agree there is a correlation between good credit and the insurance company getting paid on time. That is their main concern. Using the credit report crap to charge higher rates is just a bonus to the company.And folks let's be clear about the myth that insurance is required in all states. It is NOT!! It certainly should be but it is not.People who are not in the insurance game (like nan6872) assume that insurance is required in all states because that is a logical conclusion, except when dealing with insurance and vehicle laws there is not much logic applied. There are many states that do not require mandatory insurance but instead require financial responsibility . For example I handle a lot of claims in Wisconsin. There are tons of insured drivers there drinking their great beer and driving home. Insurance is not mandatory there, however if you have an at-fault accident while uninsured the Dept of Transportation will revoke your license and registration if you do not sign a contract to repair the damages you are responsible for.
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