Ok, so I have gotten conflicting info on how bad inquiries/hard pulls really are if you are in rebuilding mode. I have been told it doesn’t matter, you are rebuilding, it’s part of the process. But I have about 11 on two reports and 14 on the third. Also, to further confuse me, a banker at my credit union told me when I was inquiring about a personal loan that the “year” starts over with a new calendar year, as far as inquiries hurting you most in the previous six months then year. When I told her 14 inquiries, she said, “just in 2016?” which it is not. It’s over the last 12 months.
I had never heard that, I thought it was the previous 12 months??
After April, 3 or so will be at 12 months. Then after July another three or four will be at 12 months. Then in fall two will fall off completely.