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Question By
avjudfoh

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Inquiries, Is there nothing that can be done about inquires being used aganist us, can this change.

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Don't think so

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lenders use inquiries to evealuate how often you apply for credit and use it to messure how responsible you are about managing your credit. So i don't think they will ever get rid of it. It's 15% of your score so it has the least effect on your score. 

Inquiries that are denied also give the lenders a heads up that there may be problems so they tend to deny you if someone els has already done so.  If you are denied I suggest that you don't apply for credit again for at least 6 months. As a Rule of Thumb, You shouldn't apply for credit more than once every 4 months. That will keep your inquiries down to 6 within 2 years so that the old inquiries fall off before the next one is added to your report. 

Good luck

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