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How to Remove a Hard Inquiry

A hard inquiry when you apply for a new credit card or a new loan. A creditor will view information on your credit report to determine whether to extend or give the credit or not.

A hard inquiry stays on your reports for two years, after that they are removed, but if you can’t wait two years for a credit there are ways to remove hard inquiries from your report.

Removing Inquiries from Your Report

If you have unauthorized inquiries on your credit report you can get a credit bureau to remove them, just follow these steps.

 

Check your credit report.

Check your credit report frequently for any errors, you can get a free copy of your report from the three bureaus yearly.

If you see any errors or fraud, check those accounts you don’t recognize, late payments, inaccurate balances or anything else that’s wrong.

Make a list of the suspicious inquiries you have identified.

 

Dispute unauthorized inquiries

To submit a dispute you can contact a consumer credit bureau online or via phone or mail.

You need to identify the inquiries you don’t recognize in your dispute letter or if you think it’s fraud mention that as well. The credit bureau will investigate and send you the results usually after 30 days or sometimes 45 days.

You can also talk to an attorney that’s specialized in the FCRA (Fair Credit Reporting Act) if a credit bureau does not correct your disputed inquiries as fraud.

We can help you with the removal of hard inquiries, make sure to contact us to get the process started.