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I would like to have the answer to this also

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CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 364



5585 Magic Points

 
Posted on Mon May 19, 2008 6:42 am  

Scott,

Isn't it also true that after 1 year of the hard inquirys 2 year lifespan, The inquirys effect on your score lessens?
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



135 Magic Points

 
Posted on Mon May 19, 2008 11:53 am  

I would like to have the answer to this also.
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 364



5585 Magic Points

 
Posted on Tue May 20, 2008 5:07 am  

I did some more research and found out that it seems to be true that Hard Inquirys loose their negative effect on your CR after 6 months to one year. Also, If you are shopping for a new car, home loan etc. The CRAs will consolidate those hard inquirys if you take a loan withtin 30 to 45 days *Different sources gave different time frames*
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Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

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http://homecreditrepair.hqforums.net/
anthony

anthony

Joined: 31 Jul 2006
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Posts: 516



13615 Magic Points

 
Posted on Tue May 20, 2008 7:31 am  

Hard inquiries are made whenever we apply for a new credit and it remains on the credit report for 2 years. This inquiry is bad as it indicates your credit hungriness. However, if you do not want to wait for two years you can order all the three credit reports and find the addresses of the credit inquirers from the report. Now you send letters to these addresses asking them to remove the inquiry. Since FCRA allows only authorized inquiries to appear on the credit report, you can always ask the creditor whether he has proper authorization to pull up your credit file. If it is unauthorized you can threaten them that you may complain to the State Banking Commission if they don't remove the inquiry. In most cases the creditors remove the inquiry from the credit report.

I am not sure whether or not the effect of any hard inquiry lessens after one year until and unless it is removed from your credit report.
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Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
jess
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Subject: authorized hard inquiries - just found this thread
 
Posted on Thu Jun 17, 2010 9:16 pm  

I'm interested to know if anyone has had success asking creditors to remove authorized hard inquiries from their accounts. my husband had a median score of 705 before we started shopping to buy a home - after 12 months of searching and 3 letters of pre-approval (they expire after two months) we are no longer eligible for the same loan amount because his median score has dropped to 690. all inquiries were made by the same bank - bank of america - in order to furnish a letter of pre-qualification so that we could enter bids on properties. is this a scenario where the creditor, bank of america, might remove the hard inquiries from my husband's report?
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: hard inquiries
 
Posted on Fri Jun 18, 2010 10:00 am  

Hi jess,

Authorized hard inquiries cannot be removed before the 2 years. Whenever, you apply for a loan, or a new credit card the creditor/lender will pull your credit report,and this is authorized hard inquiry. The hard inquiries will fall off only after the 2 years.

However, another thing that you should keep in mind is that all inquiries made for mortgage lending, and auto loans generally within 14 days are held as a single inquiry by the credit scoring system. So, if the bank made the inquiries within 14 days, you can try disputing the several ones on the credit report.

Thanks,

Aaron
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crorkz
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Subject: FEsqnrRIXcOVUnyOpO
 
Posted on Tue Aug 05, 2014 2:53 pm  

Sj2jOy Thanks again for the blog.Really looking forward to read more.
Eunice
Guest






Subject: How I got off Hard inquiries
 
Posted on Thu Dec 05, 2019 11:25 am  

Great article! I contact the creditor who performed the inquiry and ask for their proof of authorization but got no useful reponse from them, they kept coming up with excuses and delay tactics, I was so frsutrated and annoyed as I needed to get a home but I was always been denied due to inquiries on my report. I had to make research on my own and I came across this repair with decades of experience whom I got in touch with (tom.lawrence114 at g mail com) he promised he would helped me get my credit fixed asked me for a tips and necessary info. Long story short, all hard inquiries were remoeved, late payment was marked on ontime payment, all debt were been paid off and finally my score increased to 800s(I wish I could show you my New report here but I can't due to identity theft). I never doubted this great man cus I already read a lot of review and praises thou I'm not asked to share this but I feel it's high time for we to Know that Credito or credit bureaus won't get your credit fixed so you have to make a smart move to save yourself in time
Andrea Freeman
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Posted on Thu Dec 05, 2019 4:19 pm  

Email: HACKWEST at WRITEME dot COM
Phone: +1 424 307 2638
Hi all! If you seek a reliable source for your credit issues, I think it's best you contact HACKWEST. My colleague mentioned about their services and how they clean up DUI report and Chex system. I wondered if they could actually fix my credit profile. I had a very low score of 455, some couple of bank charges and several collections. I really need this service but I barely trust the source due to some several cyber rip off attempts on me. To my surprise, they only asked for little information about me and a payment that's worth the value. After 5days my report was sound with positive trade lines posted on it including a revolving credit card and a 790 credit score. I sincerely recommend their services to you if you require a credit fix. Feel free to contact them and be rest assured of an excellent result. Cheers!
Tracy Allen
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Posted on Tue Dec 10, 2019 6:06 am  

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com
Tracy Allen
Guest






 
Posted on Tue Dec 10, 2019 6:52 am  

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
Tracy Allen
Guest






 
Posted on Tue Dec 10, 2019 7:54 am  

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
John Arnold
Guest






Subject: Credit got fixed
 
Posted on Fri Dec 20, 2019 2:39 am  

I had 3 deaths at once in my immediate family and couldn't hold it together. I lost my job after and filed bankruptcy in 2014. I'm a former bank mgr and had always had great credit. Filing was one of the toughest things I've ever had to do (I was sued by a card company) so forced.
Anyway, my credit score is 795 thanks to Captain spy (A former Experian staff) whom a lender referred me to when I had a poor credit score but now I've been able to get 2 Capital One cards, one a rewards card and 2 Chase, with a credit limit of 4k and 5k on the capital one, 7k and 7.5k on the chase card respectively. I have been approved of this with the assistance of the referrer who helped me clear all negative item, collection, boost my score to 795 (Excellent) and finally added tradeline to my credit profile. Now I have nothing negative, no collections, just a little note that says I filed in 2014, and a good score. Thanks captain spy you can also contact him if you need similar assistance on Captainspyhacker2 @ gmail dot com or +1502-378-7817 his service is guarantee
Mila Henry
Guest






 
Posted on Wed Dec 25, 2019 8:55 pm  

Merry Christmas guys, contact: autolinkscreditservices@hotmail.com or +1 520 800 6528 , for credit repair, they made me smiles again. I was evicted for some couple of months, then I went surfing the internet and find AUTOLINKS CREDIT SERVICES, I contacted them ASAP and they boosted my bad credit score from 368-780 within 5 days. They cleared all negatives on my report even gave me good trade lines for loans. Thank you AUTOLINKS CREDIT SERVICES I will keep recommending you to the world. Thank you once more am very happy, I now have my own home.
Mila Henry
Guest






 
Posted on Thu Dec 26, 2019 12:06 pm  

Merry Christmas guys, contact: autolinkscreditservices@hotmail.com or +1 520 800 6528 , for credit repair, they made me smiles again. I was evicted for some couple of months, then I went surfing the internet and find AUTOLINKS CREDIT SERVICES, I contacted them ASAP and they boosted my bad credit score from 368-780 within 5 days. They cleared all negatives on my report even gave me good trade lines for loans. Thank you AUTOLINKS CREDIT SERVICES I will keep recommending you to the world. Thank you once more am very happy, I now have my own home.

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