I started my credit journey ,, but have so many hard inquiries

[yogeshwaran]

I’m fairly new to using credit cards — it’s only been around six months since I started my credit journey. During this time, I ended up applying for multiple products without fully understanding how hard inquiries work. Because of that, my report now shows around 12 inquiries, and it has dragged my credit score down.


I’m requesting your support in reviewing these inquiries and seeing if any of them can be removed or reconsidered. I’m now handling my credit more responsibly and won’t be repeating this mistake. Any help in reducing the impact of these past inquiries would mean a lot.

 

[Mr.Christmas]

You don't worry about it.. about that inquiry..

 

[harsh_ujjwal]

Do not do any further enquiry.

 

[shivtej]

I’m fairly new to using credit cards — it’s only been around six months since I started my credit journey. During this time, I ended up applying for multiple products without fully understanding how hard inquiries work. Because of that, my report now shows around 12 inquiries, and it has dragged my credit score down.


I’m requesting your support in reviewing these inquiries and seeing if any of them can be removed or reconsidered. I’m now handling my credit more responsibly and won’t be repeating this mistake. Any help in reducing the impact of these past inquiries would mean a lot.

What is done is done. You won't be able to remove those as you have applied for those products. Here on forth be careful about hard inquiries as you have very less credit history. And use less than 30% credit limit and pay on time. That's it and your score will gradually grow.

 

[IshanBhardwaj]

Do one query in a month and do not get tempted by the various schemes of different cards. Firstly, get an overall best card for yourself. If you have got one, use that everywhere and pay the full due amount (better to autopay).
The score which got down due to multiple queries will come back up soon but if it goes down due to late payment, it takes 3 years to bounce back.
So, using one credit card is beneficial at first as you will get eligible for credit limit enhancement which will decrease your credit limit utilisation automatically, given you are not increasing your expenses that much.
My first card 6 years back had a limit of 70-80K, now it has 10L limit for that card alone.