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wv56

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how long would it take for 7 hard credits to come off my acount ?
what can i do to shorting my time to get my credit score up?

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Hard Inquiries Show up for 2 years

Helpful to 1 out of 1 people

FICO counts them for 1 year.  The number of inquiries only counts for 10% of your score, so it is a very small part of your score.  Utilization and Payment history count for 70% of your score, Focus on that to raise your score.  

Want to get you score up in a hurry (6 months is a "hurry" in financial terms)   Get your utilization down between 5% and 15%, Use every card you have at least once a month.  When the bill comes in pay 90% of the entire balance due. Showing a small balance carried over to the next month. (yes you will incur a small amount of interest, consider this  the cost of building your credit) Lenders Love people who will be paying interest.  This little trick is used in Real Estate to get a buyers score up so they can qualify for a loan with better rates. It can raise your score 50 to 100 points in 6 months.  Once you have your new loan or the score you want, Then go back to paying off the balance every month so you don't incur the interest.  

Good luck 

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