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Started By
Message
History of Credit Inquiries
Posted on 8/9/14 at 4:16 pm
Posted on 8/9/14 at 4:16 pm
Is there anywhere online that I can see when inquiries to my credit were made?
Backstory: Had a Vegas night in 2012 with some buddies, maxed a credit card, and destroyed my credit. I just paid that account off (it has been closed for two years now). It was close to $1700, and paid it last Monday.
My credit score is ~560 right now because I have 4 late payments showing and 7 inquiries in my history. I know the inquiries show for 2 years but are only considered for your score over the span of the last 1 year. I only have one open installment loan (my car) and no credit cards.
I would like to know not only how to see when inquiries were made so that I can track them as they come off of my report, and also how paying that card off should affect my credit report.
Thanks in advance for the help!
Backstory: Had a Vegas night in 2012 with some buddies, maxed a credit card, and destroyed my credit. I just paid that account off (it has been closed for two years now). It was close to $1700, and paid it last Monday.
My credit score is ~560 right now because I have 4 late payments showing and 7 inquiries in my history. I know the inquiries show for 2 years but are only considered for your score over the span of the last 1 year. I only have one open installment loan (my car) and no credit cards.
I would like to know not only how to see when inquiries were made so that I can track them as they come off of my report, and also how paying that card off should affect my credit report.
Thanks in advance for the help!
4
Posted on 8/9/14 at 4:28 pm to DByrd2
I find credit.com and credit sesame to be more accurate than credit karma concerning inquiries. Make a free account on one (or better, both) and you'll have your answer.
Posted on 8/9/14 at 6:08 pm to DByrd2
Your issue is the derogatory credit. The inquiries really are no big deal.
Posted on 8/9/14 at 7:18 pm to DByrd2
quote:
Had a Vegas night in 2012 with some buddies, maxed a credit card, and destroyed my credit.
Sounds like a good time
My buddy did the same at spearmint rhino but his was 11k
Posted on 8/9/14 at 7:24 pm to DByrd2
Credit Sesame, Credit Karma, etc only show inquiries made to the credit bureau they use (Credit Karma uses TransUnion). Paying that card off will help in the sense that it will lower your revolving debt. Maybe you can write them a goodwill letter and see if they will remove the trade line from your reports. Also, open up a couple credit cards to build your score back up. The agencies that offer to fix your credit don't do anything you can't do on your own with some research.
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