How Much Does It Cost to Remove Inquiries from Your Credit Report?
If you’ve been turned down for credit or noticed your score drop because of multiple hard inquiries, you may be considering professional help. But how much does inquiry removal actually cost—and is it worth paying for? In this guide, we’ll break down average pricing, what’s included, and how to tell if you’re getting real value when choosing an inquiry removal service.
Our clients usually see fast, verifiable results—sometimes within days—because we handle every step with full compliance under the Fair Credit Reporting Act (FCRA).
Typical Inquiry Removal Costs
Professional inquiry removal pricing can vary depending on the company, the number of inquiries you need removed, and whether your case includes unauthorized or fraudulent pulls. Here’s a breakdown of common pricing models:
1. Pay-Per-Inquiry Model
Many companies charge a flat rate for each inquiry successfully deleted. Typical cost: $20–$50 per inquiry.
- ✅ You only pay when the inquiry is removed
- ❌ May add up quickly if you have many inquiries
- ✅ Great for people with fewer than 10 recent hard pulls
2. Package or Flat-Fee Pricing
Some credit repair or inquiry removal specialists offer bundle pricing. Packages range from $99 to $299 depending on how many bureaus and inquiries are involved.
- ✅ Predictable one-time payment
- ✅ Often includes full report review and documentation
- ✅ Best for moderate inquiry volume (10–20)
3. Full-Service Credit Cleanup
Comprehensive credit restoration packages (which include inquiry removal plus late payment and collection disputes) can cost $79–$149 per month or more, depending on the provider. While more expensive, they can be worthwhile if your score issues extend beyond inquiries.
- ✅ Covers everything, not just inquiries
- ❌ Monthly billing adds up over time
- ✅ Often includes credit monitoring and fraud protection
At InquiriesRemoval.com, we focus specifically on fast, compliant inquiry cleanup—not drawn-out subscription billing. Our goal is to get results efficiently and transparently.
DIY vs. Professional Inquiry Removal Costs
If you’re comparing whether to handle disputes yourself or pay for professional help, here’s what to consider:
DIY Removal (Free, But Time-Intensive)
You can dispute inquiries directly with Experian, Equifax, and TransUnion for free. However, the process requires careful attention to FCRA compliance and documentation. Errors in your dispute language can delay or void your case.
Hidden costs of DIY removal:
- Time spent gathering reports, writing letters, and mailing certified disputes
- Risk of rejected disputes due to incorrect formatting
- Potential missed inquiries if you don’t check all three bureaus
Professional Removal (Paid, But Efficient)
Professionals manage the entire process for you—reviewing your reports, identifying unauthorized pulls, preparing compliant disputes, and following up with each bureau.
Average professional inquiry removal cost: $79–$199 total for most cases.
- ✅ Fast turnaround (often within 7–21 days)
- ✅ Legal accuracy and FCRA-compliant language
- ✅ Higher success rate across multiple bureaus
- ✅ Time savings and verified documentation
Why the Cheapest Option Isn’t Always Best
When it comes to inquiry removal, you’re not just paying for paperwork—you’re paying for experience, compliance, and reliability. Cheap “credit hacks” or generic templates often fail because they don’t meet bureau standards. Worse, inaccurate disputes can flag your file for fraud review and make future disputes harder to win.
Our process is backed by documented results, not guesswork. Every dispute is custom-written, referencing specific bureau data and FCRA regulations to ensure success.
What’s Included in Professional Inquiry Removal
When you hire a reputable service, you should expect more than just dispute letters. A proper inquiry removal package includes:
- ✅ Full tri-bureau report analysis
- ✅ Identification of unauthorized or outdated inquiries
- ✅ Custom-written FCRA dispute documentation
- ✅ Direct submission to Experian, Equifax, and TransUnion
- ✅ Real-time tracking and progress updates
- ✅ Escalation support if the bureaus fail to comply
Our team manages every stage of the process from start to finish, so you can focus on improving your credit—not chasing paperwork.
How Pricing Is Determined
Most clients fall into one of three categories:
- Minor cleanup: 1–5 inquiries – around $79–$99 total
- Moderate cleanup: 6–15 inquiries – around $149–$199
- Large cleanup or identity theft cases: $199–$299+, depending on complexity
These ranges are based on total case workload and communication with all three bureaus. Identity theft-related disputes require additional documentation, which is why they may cost more.
Are There Free Options?
Yes, but they come with trade-offs. You can file disputes yourself for free through the credit bureaus. However, professional services save you time and provide far higher success rates due to precise legal documentation and follow-up.
If you’re dealing with unauthorized or fraudulent inquiries, professional removal may also protect your right to legal action if the bureaus fail to comply.
FAQ: Inquiry Removal Costs
Is inquiry removal worth paying for?
Yes—especially if you have multiple recent inquiries or unauthorized pulls. Fast removal can restore lost points and improve loan approval odds.
How long does professional inquiry removal take?
Most clients see results within 7–21 days, depending on the bureaus’ response times.
Can you guarantee results?
We follow strict FCRA procedures to achieve the highest success rate possible. Most inquiries can be removed if they are inaccurate, outdated, or unverifiable.
Is it cheaper to just wait for inquiries to expire?
Inquiries naturally fall off after 24 months, but waiting can cost you loan approvals and higher interest rates in the meantime. Removal gives you faster results and control over your credit health.
Related Reading
- How to Remove Hard Inquiries from Your Credit Report Online
- Best Credit Inquiry Removal Service
- Can You Pay Someone to Remove Hard Inquiries?
- Sue for Unauthorized Credit Inquiry
Bottom Line
So how much does it cost to remove inquiries? In most cases, $79–$199 covers everything you need for full removal, faster results, and complete documentation. When done properly, inquiry removal is one of the most cost-effective ways to boost your credit profile quickly and legally.
