Hypocreditosis secondary to Hyperinquirosis
 

So credit karma tells me I have 15+ hard inquiries which rates an "F". All my other areas rate "A" or so except maybe one area is a "B"?

My credit score is 730's.

My sister says "HA, your insurance rates will skyrocket! All your miles/points are vaporized in comparison to the amt you will pay!"

Is she right?

Is there any way to make the hard inquiries go away?

Is it better after 6 months? after 2 years only?

IMHO, you don't really have a problem. If i only had 15 inks I'd have even better credit than I do. And mine is just fine. Ask Chase which kindly gave me a BA card and several others recently.

Good rule, never let your sibling see your credit report!

Ok thanks. It used to be about 770's before getting just about every solid card on the Milesbuzz! forum.

I think I will be more selective though from here on out.

Not looking to get a car or house in the next couple years anywho.

Those are the two main reasons for getting back to the 770's. It can affect your car insurance but I believe it would have to be much lower than 730 for it to make a difference. It's always good to be selective. :)

When I refi'd last year, the mortgage company's quote tool required a credit score along with the other data. I just tried at - from 770 to 730 would cost $900 extra in closing costs at the same rate/term/all other factors. That's probably the biggest hit you'd see, IME. Insurance rates, etc., probably are $20-40/yr if anything. 730 is still in the very good, though not top, tier.