At two separate times in the past 15 months I had applied for an auto loan. My vehicle was dying (yes twice) and I decided to see if I can get financed and have my negative equity on the car financed as well..Iâ??m extremely upside down on my payments. Well..both time I ended up shelling out the thousands of dollars for repairs because the rates and the monthly payment would have been too much for me to handle. Now I have a bunch of inquiries on my report. Is there anyway to make some of these dings go away? Is it true that they will only be on there for two years? If there is a chance that they will be on longer than two years, how can I find out for sure the length of time they will be there? Thanks for your help Lynn