Removing Inquiries from Equifax

[toImproveMyCredit]

So, I did dispute my inquiries online, just like how the people around here did, and I got rid off 3 of them, but no score change? Whats up with that?

[Moriah4]

Remember that Inquires only make up about 10% of your score they only stay for 2 yrs max so the older they are the less they hurt.

Where it helps to have less inquires is you are trying to build new credit some creditors will use inquires as a reaso to turn you down.

Bright Blessings

Moriahxdancex

[Outtadebt4good]

I saw somewhere that even though they stay on your report for two years - after one year, they do not affect your FICO score.

[TheRoadBack]

I saw somewhere that even though they stay on your report for two years - after one year, they do not affect your FICO score.

This is true.

[oompaloompa]

I dont think they even effect your score at all unless you have a certain amount of them. I doubt its a magic number, probably it is adjusted to individuals credit history.

OP:

Inquiries are bad in large numbers. You deleting them will still help you by making you appear good when you apply for credit. If you have no inquiries, the you are not looking for credit or don't need it right? Which is a lower risk, hence a better chance of approval.

[oompaloompa]

And by the way, whatever you used to pull your score could be: A. not updated yet B. something other than FICO. So you might have just not seen the effect yet. Besides, every person you apply for credit with is going to pull your score differently and think differently about your credit report.