Unfortunately, only time will do that. Such inquires stay on your report for 2 years from date of first inquiry. But they don't do much damage- if you're approved. Buyer beware: if you apply and are denied, this will hammer down your credit score something fierce. If you want the fairest treatment, I recommend staying far away from the big banks, Your best bet is to have an account in your local credit union and apply there. Be sure to ask where they will pull their credit report on you, and make sure you already have a copy of that same report so there are no surprises.