Hi All, I'm so excited that I had to post and share my good news. I initiated an online investigation with Experian to get some inquiries deleted and got my results back today. They deleted 15/15 inquiries disputed!! I'll get to work on the remaining 11 ASAP!! I must admit, although they are giving me the runaround on a charged off account, when it comes to deleting inquiries Experian rocks!! lb
Woohoo! What a great feeling that must be. I sure hope your luck spills over onto me coz I've request a bunch off inquiry deletions online with Experian, too. Way to go!
I don't use cc's anymore so I don't know my credit score. I also try not to focus too much on my score and just worry about the actual tradelines. Thinking about my low 500 score (last time I checked a few months ago) depresses me. The thought of my point going up for each inquiry deleted is rather uplifting, though.
Just my opinion, but to build your credit you need to use your credit over time... You need something with a payment history reporting (loans and credit cards) to build... inquiries hurt for about 6 months (as do new accounts), but after 12 months the tradelines increase your scores! If you just payoff all your debts you will not see a big jump in your scores....
