I am purchasing a house for the first time. My credit report says there are too many inquires. My mortgage broker says some don’t belong to them. I also have one delinquent payment on my car, (over 30 days).
How do I remove the excess inquires from my credit report?
There are three types of inquiries on a credit report. One is an inquiry of a report pulled by a current creditor that is just checking up, another is when you pull your own credit report, and the third occurs when you apply for credit.
The first two don’t count against you so I assume you’ve been applying for credit recently and it has resulted in a number of inquiries. Maybe you haven’t and just simply don’t recognize these hard inquiries.
If that is the case, the best way to attempt to remove those is to get a consolidated credit report and dispute those inquiries if you don’t recognize them. By ordering this consolidated credit report you will be able to dispute some of them online. Just follow the instructions that come with the report. It’s the same 3 in 1 credit report I get for myself.
As far as the delinquent car payment, if you were delinquent then that should be reported on your credit report. You credit report should reflect your actual credit history, both good and bad.