I recently graduated college in December and got a good job in Atlanta this year. In midst of the excitement I decided I NEEDED a new car and proceeded to apply for credit at several banks and credit unions in a search for the best APR deal I could find. I got approved by most but in the end decided it would be smarter to live in "the real world" for a few months before making such a big financial decision. Lowe and behold, I apply for a credit card the next month and I was declined, their reason: Too many credit inquiries" in my report!!! I was not aware of this detail and inadvertently messed up my own credit report. My question is: How long do I have to wait for this to fall off and be able to apply for more credit, be it for a card or a loan? And also, is there any way of having this removed since I did not actually acquire any debt? Thanks for your help!
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