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Hard Inquires with the lack of credit knowledge


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Hi I recently graduated from college, during my time in college I kept applying for credit to start my credit history and I kept getting denied. Now I have over 20 hard inquiries and my score is shot anybody know how to get these hard inquires removed? 

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You made the application.  With each application often comes a hard inquiry. 

 

When seeking to build credit, one needs to be extremely selective and NOT just hit an application submit button simply because it was there or apply at the register to get the figurative pennies off of a purchase.

 

At this juncture, you would do well to go sit down with your small local bank and discuss secured options with a lending officer.  At the time time, discuss a CD-secured loan.  That gives two lines that then allow you to begin moving forward in a manner that also helps to build the score in addition to the file. 

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