Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
techray2003

0 Contributions
0 People Helped
I can I reduce hard10 inquiries that I got Oct last year when I bought a car?
I bought a car around Oct 2012, They hit me with about 10 hard inquiries. How do I get this reduced and bring my score back up? I already called the dealer...No help

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
6 Contributions
2 People Helped
Most Helpful Response

merge inquiries

Helpful to 2 out of 2 people

send a request to the credit bureaus, not the dealership,

explain you allowed them to pull your credit, but you didnt authorize them to give that many lenders your info. to pull your credit.

 The same happened to me in august last year, got hit up with 8 hard inquiries that one day, thats how I came up upon this webpage about the same subject.

 I  just sent my requst out yesterday by certified mail, I will be waiting to see if it helps, I'll let you know if it works for me, I hope it does, cause almost all of them where on equifax for me.

This letter is used to combine several inquiries into one. For example, you may have applied for a home loan with a mortgage broker who allowed many companies to pull your credit report, which would have a negative impact on your credit.

here is a sample letter you can use that i found online

it should help to merge them into one inquiry

http://www.expert-credit-advice.com/Letters/Letter8.htm

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.