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Found 6 results

  1. Hi, I'm about to apply for a mortgage so I will have 2 mortage companies do a hard pull for my credit, from what I read hard pulls within one week are not that bad, so I was thinking I can also apply for higher credit limits with the credit cards that require a hard pull, apply for better home insurance rates (which I think do a hard pull also), etc during this period, is this a good idea? How many points should I expect to lose on my score? Thanks!
  2. The used car market is very agressive here and cars are moving very fast. I have a few cars I like at a dealership but I have to go through all the approval process etc. If in deed I get approved and they don't have any cars I want to buy will another hard pull or inquiry at another dealer hurt my credit? It's very Likely I may have to go to a different dealer as this one dealer only has a few cars in my price range. However there is another dealer with many more cars in my price range. My scores aren't that great and I don't want to sink my score and ruin my chances of getting approved somewhere. I also have about 4k I can put down on a car if I absolutely have to. I'm not sure if having 20 percent down matters.
  3. Hello all! Quick question to make sure I understand this concept correctly. Because it would really suck if I am wrong and apply! I am "pre-qualified" (via website) for multiple Capital One cards. I am rebuilding and need more unsecured cards. Lets say, hypothetically, I apply for three capital one cards. That's 3 pulls on each CRA. Nine total. My understanding, however, is that if I apply for all three on the same day, I will only incur ONE pull from Capital One on each CRA. Is that correct? I hate the triple pull, but if I can get multiple cards out of it, I'll do it. I just don't want to be wrong and end up with 9 inquiries. I'd cry! Thanks for the help!
  4. Is it a cost thing for them, or do they need a HP for scoring reasons? Just curious?
  5. What type of letter should I send to Experian to get them to delete 2 hard inquiries from 2 JDBs? The phone number listed for one of the JDBs is disconnected. Neither of those salamanders reported an account, they just hard pulled and ran. LOL! I don't want to waste time sending them a letter because I'm sure they won't respond. I want to know the best way to word a letter to get Experian to just delete them. I don't want those collectors inquiries sitting there especially after I finish cleaning up the baddies. The 2 hard inquiries will be there for another 11 & the other one, 8 months. Thanks in advance.
  6. I currently have a security freeze on Experian. If I call two of my CC issuers (both of whom seem to favor Experian) for CLIs, can they still do a hard pull on my Experian file? There seems to be a vague exception for existing creditors being able to access your credit file, even with a freeze in place. Is this just for soft inquiries? That's how I read between the lines from Experian's web site, but I want to be sure. . I really don't want to take two hards on Experian for two cards I almost never use. I don't care however, if the CLI requests end up costing me a couple of hards on either of the other bureaus (or one of each, for that matter). From http://www.experian.com/consumer/security_freeze.html: A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.
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