Originally Posted by glan

Thanks for very informative post. The statement above sounds scary I'm newbie here, so please ignore this post if I' asking inappropriate questions.

As I understand - recent "hard pulls" are inquires made within past 6 month.
As far as I can say looking at my credit history, at least all CC inquires should disappear from the record after 2 years.

So by saying "you will ruin your credit ... and will then be jeopardized in the future" did you mean that it would be almost impossible to get credit for 6 month and some problems may occur for the next 2 years?