Inquires on Credit Report

What is the name of your state?GA

I think this might not be the right forum to ask.

I have a good credit report ( i mean everything paid on time and no defaults) and with little history as i am just starting out (7 mths).

However i have a negative score (mainly because of tooooo inquires in the last 6 months about 20). I was doing all this (for shopping around for rates).

Now i have stopped requesting for credit. Is there a way i can remove all inquires from my CC by contacting the Credit Bureau?(never tried it)

Secondly , whats the time frame that all inquires would disapear from my report ?

Lastly , i have a car loan @10.79% . I am trying to refinance this as its too high and i keep getting denied and thereby keeps lowering my score. Is there anyway i can refinance this car , i spoke to my bank (chase), but they dont refinance .

Thanks ,
josh

[cmorris]

Since this is not a legal questions and you want a higher credit score, I suggest you visit [URL=http://www.creditboards.com]creditboards.com[/URL] for more information. Read the Newbie section and previous posts until you cannot read anymore. Then if you still have questions, post them. There is also an Automotive Financing forum.

Inquiries can stay on your CR for 2 years.

If you want to delete the ones you have NOT received credit from, you can dispute it with the CRA's as "not mine." Sometimes this works, sometimes it doesn't. There is also something called bumpage.

Depending on your CR scores, you may not be able to qualify for a higher rate. And more inquiries mean lower scores. It is an endless cycle. Again, visit creditboards for more detailed info.