Hi. I'm new to the forum, and I have some questions...
I just got my credit score back, and it was kinda crappy, but it could have been worse (683), and I was wondering how much that's going to hurt me. My fiance and I are trying to buy a house in 6 months. Is that going to be a problem? I know expectations are low right now, but are they that low? What do you know about credit inquiry removal?
On my credit review, it told me that I didn't have my credit in for long enough. I've had some of my cards for 3 years! How long is long enough??
It also said that I have too many credit inquiries on my account. I only have two credit inquiries that are actually supposed to affect my score, both of them are for housing. I mean, they happen every year when I move. I have a ton of "pre-approval" inquiries that it said shouldn't affect my score, but I'm not sure I believe it. I came to know that soft credit inquiry won't hurt my credit score. Is it true? How can I remove unauthorized credit inquiry? Can I get them off my account? What do I do? I don't understand why my score is so low, and I'd love some help. Thank you so much!