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bethie31

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why do i have so many hard inquirys?

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every time you apply for

a credit card or a line of credit, weather it is granted or not, there will be a hard inquiry.  

When you go to a Department store and they offer you 5% off if you apply, There is an inquiry.  Get more that 6 in 2 years and you are almost always refused new credit, but the stores don't stop asking do they?

Those inquiries stay on your report for 2 years,  so you need to slow your roll and start saying NO when credit cards are offered. Do not apply for a credit card on line or on paper unless you know you are in a situation where you are likely to be approved.  You need to take control of how and when you apply for credit. 

Learn a little more about how your credit works and take control of it,  your credit score is one of the most important numbers in your life, for the rest of your life,  and no one will take care of it for you.  

Thats your job.  

Good luck  

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