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How hard credit inquiry removal works?

August 9, 2016 | Uncategorized | 11 comments | Author:

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How To Remove Hard Inquiries From Your Credit Report and do it fast.

Hard Credit Inquiry Removal is one of the most effective and fast strategies to boost your credit score. Please contact us if you need hard credit inquiry removal. Here is a wonderful example of hard credit inquiry removal. This particular credit report came to us a few days ago. As you can see on July 28 this client had 22 hard credit inquiries, on August 8 10 hard credit inquiries were removed and the credit score went up 24 points. We can remove hard credit inquiries from your credit report relatively fast. Removal of hard credit inquiries almost instantaneously increases your credit score.

Here is the best way to get rid of hard inquiries from your credit report:

This may be your first time hearing the word “credit inquiries”… don’t be alarmed this topic is becoming more and more popular… As credit card use is on the rise so are these notorious “credit inquiries” Every time you give a business permission to run your credit while applying for financing in some way, you will most likely get a hard credit inquiry. Too many of these hard credit inquiries and your credit score will be affected for the worse. They can even stay on your credit report for up to two whole years. It is in your best interest to get these removed asap.

Do I really need to get hard credit inquiries removed?

No, of course not. No one will make you remove these hard credit inquiries. But the question is do you want your credit score to be at its best? If so, then you surely want to get these removed. In the grand scheme of things hard credit inquiries only play a minor role impacting your overall credit score. But these little inquiries can make a big difference depending on how many you have and what you are trying to do…

What is a hard credit inquiry?

Each time you apply for credit for the first time you will receive a hard credit inquiry. You receive these because the creditor pulled your credit profile and it is a way of tracking the way you use your credit. For example: if you have too many inquiries it will show the credit bureaus that you are looking to get a high credit limit. This can lead to many other questions… Basically, it can be perceived that you are a risk with too many of these inquiries in just a short amount of time. Now that is just one example. That is why it is best not to have too many of these inquiries and even get them removed right away.

There are two kinds of credit inquiries

  • Hard credit inquiries show up on your credit score whenever you apply for credit for the first time and you give permission for them to pull your credit. These inquiries affect your credit score.
  • Soft credit inquiries happen when your credit is checked after the first time. Credit card companies will do this to see if you qualify for certain credit cards and so forth. That is why you get “pre-qualified” letters from credit cards in the mail. It does not mean that they did a hard pull on your credit, but they have just checked your credit profile.

“I have a lot of inquiries, is this hurting my credit score?”

  • Unfortunately, yes. Too many inquiries will lower your overall credit score and you can even be automatically denied because of them…
  • Having too many inquiries can raise a lot of questions to potential creditors. The basic question is why do you have all these inquiries? Unfortunately, you cannot explain yourself when they do a hard credit pull. Most of the time it is automated and it is just a fact that you have these inquiries… That is why it is best to get them removed to eliminate all possible doubt with your potential creditors.

How To Remove Hard Inquiries From Your Credit Report:

Keep in mind that all credit inquiries must be removed from your credit report after 2 years. If you do not have any plans on using your credit for anything serious in the next two years it might just be best to wait. But if you do plan on using your credit relatively soon, then it is wise to get them removed. Here is what you can do to get started:

Step #1
Get access to your 3 Bureau Credit Report. There are numerous credit monitoring websites out there that can provide you with your three bureau credit report. Find the one you are most comfortable with and take some time to review that report. You will want to find the section that says “inquiries” Don’t worry, you will not get a hard credit inquiry for just ordering your 3 bureau credit report…

Step #2

Get the address for each of the hard credit inquires. Some credit monitoring websites will provide the address freely, others will not. You need to get the addresses to your hard credit inquiries one way or another. It is a necessary step to begin the dispute process. If you have difficulty finding the address, try using a different credit monitoring website. Last case scenario, you will want to try and call the credit bureaus yourself.

Step #3
Draft a letter to each of the creditors asking them to remove your inquiries. The Fair Credit Reporting Act only permits authorized inquiries to show up on your credit report. You will want to challenge them in a sincere way and ask for proof that you gave them permission to give you a hard credit inquiry. If they cannot provide proof, according to The Fair Credit Reporting Act, they must remove that inquiry…

Step #4
Some creditors will provide data showing that you gave them permission. You will want to observe these documents very closely and look at the facts. Many times there can be irrelevant, wrong, or strange information. If that is the case stand firm and try to make your point. If they are unwavering you can let them know you will contact the State Banking Commission. Make sure to send your mail via certified mail so you will know when they receive it. They can ignore you and if they do that will be even more grounds for you to get your inquiry removed.

 

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Starting Credit Repair and Hard Credit Inquiry removal.

If your credit ratings have been taking a beating it is time to do something about it. It is essential that you come to a stop and assess your debt situation. Bear in mind that your credit rating affects various aspects of life. Making it possible to:

    • obtain loans
    • lease cars
    • acquire lines of credit
    • and purchase a home on mortgage.

 

Therefore, if you suffer from bad credit and a lot of hard credit inquiries life may get tough…

Various financial institutions, real estate agencies, and even potential employers use your credit score to make a final decision. So, what can someone do to help eliminate bad credit? Well, this is where hiring a credit repair firm like Credit Repair Co may come in handy, where professionals work with you to help to:

    • save you money
    • lower interest rates on loans
    • and gain better financial position in the future.

 

Why hire Credit Repair Co to remove hard credit inquiries?

When you sign up for a credit repair service like Credit Repair Co, you are allowing professionals with years of experience in the field of financing and budgeting to take charge of working with credit bureaus and creditors on your behalf. Not only does this help you step-by-step in improving your credit score. It also helps you resolve financial issues. They even offer a 3 year warranty for making sure that your credit remains clean.

Here are a few other strategies to boost your credit score

 




11 COMMENTS


  • Tina August 10, 2016 at 6:33 pm | Reply

    Cost to remove inquiries


    1. Dmitri November 17, 2016 at 5:56 pm | Reply

      Hi Tina,

      Check out our website for a list of services and prices. Here is the direct link: http://creditrepairco.net/

      Here you can see all of our services and our results. Thank You!


  • Tony Russell August 20, 2016 at 2:17 am | Reply

    Would it be possible to remove inquiries in 1 month or less. I would like to use my VA home loan because my lease is ending soon and need it done asap. Please let me know if you can help!

    Best regards,
    Tony


    1. Dmitri November 17, 2016 at 5:52 pm | Reply

      Hi Tony,

      Yes, it is possible to remove your inquiries in less than one month. Please give us a call at 424-328-0405.


  • Levi Dalton August 24, 2016 at 7:48 pm | Reply

    Hi, I have approximately 27 Auto Inquiries on my credit report, all within 30 days. I went to three Auto Dealerships and they “Shot gunned my Credit”.
    I got approved for a new Chrysler 200S. The reason they say is that my old car which was totaled in a No-Fault accident, but was still on my credit report at $15K. They say I AUTHORIZED the Inquiries when I signed the application for credit? They also say Trans-Union will NEVER remove a “Hard Inquiry”.
    Therefore, perhaps you are the experts CAN THEY BE REMOVED WITHIN 45 DAYS? Last, What is the exact cost? Please no BS! I have used Lexington Law what a dispute waste of time and an Section 609 Attorney another waste of $1,500.00 filing disputes, a joke. . .Respectfully Submitted, Levi Dalton


    1. Dmitri September 15, 2016 at 9:19 pm | Reply

      Please call me 415-225-8181
      I will take care of you ASAP


  • D. S. November 15, 2016 at 3:56 am | Reply

    Hi,
    I’m a currently an authorized user to my an account that I would like to be removed crom that has an 120% debt. It’s effecting my score even though I’m not using the card. The point was to help raise my credit.. not hurt it. And have a plan to raising my fico and buy a car after this year. thank you for your time.

    D.S.


    1. Dmitri November 17, 2016 at 5:32 pm | Reply

      Hi D.S.,

      That is a good question. You need to ask your Aunt to call the bank to get your name removed. We can also help you boost your FICO score. If you want to give us a call at the office I will explain more. 424-328-0405


  • Ken November 19, 2016 at 10:39 pm | Reply

    Which agency do the inquiries be removed from?


    1. Dmitri November 29, 2016 at 8:28 pm | Reply

      We can remove from Experian/TransUnion/Equifax.


  • Larry Stanford March 25, 2017 at 10:28 pm | Reply

    Need to get credit inquiries off my credit report



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