What is the impact of inquiries on my credit score?
An example of an AI chatbot conversation about the impact of credit inquiries on scores.
What is the impact of inquiries on my credit score?
Inquiries can affect your credit score, especially hard inquiries, which may lower it slightly.
How long do these inquiries stay on my credit report?
Hard inquiries typically stay on your credit report for about two years, but their impact diminishes over time.
Can I remove a hard inquiry from my report?
You can dispute inaccuracies, but legitimate hard inquiries cannot be removed before the two-year mark.
How many inquiries are too many?
Generally, multiple inquiries in a short period can signal risk to lenders, so it's best to limit them.
What can I do to improve my credit score after inquiries?
Focus on paying bills on time, reducing debt, and maintaining a low credit utilization ratio to improve your score.
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