<prompt> Human: Hi Everyone. First time posting in this sub but big reader. Background: Ive always tried to be financially savvy and frugal, but I am still a college student just completed 3rd year so I have a quite young credit history. Ive worked on pruning my credit score for the years that Ive been able especially as my parents credit is not the best so I cant count on cosigning for anything. I have a good track record when it comes to payments and utilization with no bad marks. To get to the point, I bought a new car this last October with a small auto loan with no cosigner needed. It felt like a win until I realized I had quite a few new hard checks against my credit never had bought a car from a dealer before so wasnt used to it. I realize it seems like a small deal but it brought down the score Ive been working so hard to bring up, and I wondered if there were good ways to get rid of them faster. Ive heard of credit restoration places that somehow wipe them, but they seem sketchy.  <response>: Nope, and for a car loan they count the whole group as one, so it shouldnt have much of an effect on your score. As they get older, they have less of an effect on your score. 