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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 4:36 pm to Joshjrn
Thanks Joshjrn. I use freecreditscore.com and they show how many you have, but not when they occurred.
Posted on 8/9/14 at 5:14 pm to DByrd2
I'm on my phone, but if my memory serves me, at least one of them breaks them down into within two years, one year, and six months. That's should get you close, though it won't give you the exact dates.
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 6:38 pm to VABuckeye
^ That, basically.
But, just to answer your question, it's Credit.com that breaks down your inquiries. Shows total, last year, and last six months. Also, shows month/year of your most recent inquiry.
But, just to answer your question, it's Credit.com that breaks down your inquiries. Shows total, last year, and last six months. Also, shows month/year of your most recent inquiry.
Posted on 8/9/14 at 6:42 pm to VABuckeye
I understand that the derogatory credit is 30% of my score while the inquiries are only 10%, however I am trying to improve my score overall and (vaguely) determine when my credit score should improve to my immediate short-term goal of 640.
I called a law firm that challenges creditors and credit bureaus. I have two accounts of Charter that were a reported as a month late. The other two are a small credit card that was 60 days and the big credit card that was 90 days. All are current and paid in full. I am hoping they will be willing to drop the account reports and/or will not have documented properly so that they can be removed.
My dad used one of these firms and had his credit score raised by over 100 points on 4 months. I have half the negative reports of their typical clients, and their typical client is only a client over the span of four months when their accounts are getting challenged.
Hopefully I can see some positive and near immediate results.
I called a law firm that challenges creditors and credit bureaus. I have two accounts of Charter that were a reported as a month late. The other two are a small credit card that was 60 days and the big credit card that was 90 days. All are current and paid in full. I am hoping they will be willing to drop the account reports and/or will not have documented properly so that they can be removed.
My dad used one of these firms and had his credit score raised by over 100 points on 4 months. I have half the negative reports of their typical clients, and their typical client is only a client over the span of four months when their accounts are getting challenged.
Hopefully I can see some positive and near immediate results.
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 7:20 pm to yellowfin
quote:
My buddy did the same at spearmint rhino but his was 11k
Friend of mine has lifetime VIP there due to an incident between him, a disgruntled working girl, and a case of mistaken identity
Posted on 8/9/14 at 7:22 pm to yellowfin
Hahaha! Yeah, mine was 6k, so on an E-4 to E-5 military income, I think I did well to pay it off in as short a span as I have.
ETA: That is always your fate when you encounter $20 endless well drinks at Blondie's in the Miracle Mile Mall at 3 p.m.
ETA: That is always your fate when you encounter $20 endless well drinks at Blondie's in the Miracle Mile Mall at 3 p.m.
This post was edited on 8/9/14 at 7:24 pm
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.
Posted on 8/9/14 at 9:50 pm to JonTheTigerFan
I have never heard of that happening... What exactly do goodwill letter contain, and is there a certain format or process you must go through to get it to the right people? If I cam save the little bit of money I would be paying the law firm, it'd be nice.
Posted on 8/10/14 at 8:23 am to DByrd2
Google goodwill letter template. It works with some companies but not with others. Also google the credit card company to see where to send the letter to. If you google "Chase goodwill letter", for instance, it will bring up several threads on the MyFico forums where people had success with sending goodwill letters to Chase.
Posted on 8/10/14 at 11:14 am to JonTheTigerFan
Good info to have! I appreciate that. May be what I end up doing...
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