Count towards a "to many inquires in last 12 mos"? I applied for a new car loan through peoplefirst.com and got a letter saying that I was denied do to 1.lack of recent installment loan information 2.to many inquiries. 3.amount owed on accounts to high I pulled my report and have 27 inquires,12 are credit inquiries and the rest say cd-equifax consumer service id equifax consumer service equifax consumer service cw equifax consumer service sp what does cw,sp,cd,id mean? I have signed up online for credit watch and have pulled my report online. The amonts owed is to high is BS,here is my card info American express,im a AU $456 High $164 balance Exxon I am a AU $2000 high $113 balance Household Credit services im a AU $11200 LIMIT $23 balance All are perfect,no lates My dad is the holder of all these,he put me on as a AU I have NO NEGATIVE INFO. My address is a mailboxes ect,does that matter at all?I could use my home address if needed but I live in a apt complex and the mail man puts mail in the wrong boxes all the time. Help! what do I need to do to get a new car loan?