How to Remove Hard Inquiries from Your Credit Report Online (Complete Guide) Hard inquiries can quietly chip away at your credit score and make lenders think you’re desperate for credit. Whether you’re applying for a loan, mortgage, or business funding, too many recent inquiries can cost you approvals. That’s why thousands of people search every […]
Category Archives: Inquiries
24
Oct
Oct
Can I Pay Someone to Remove Hard Inquiries from My Credit Report? Short answer: Yes, you can hire a professional to remove hard inquiries — but only if they’re unauthorized, inaccurate, or unverifiable. The right company follows the FCRA and the Credit Repair Organizations Act (CROA), documents every step, and never promises illegal “instant wipes.” […]
30
Sep
Sep
Unauthorized Inquiries on Your Credit Report? Here’s What to Do Have you checked your credit report recently and noticed inquiries you don’t recognize? If so, you’re not alone. Every day, thousands of people discover unauthorized credit inquiries—hard pulls they never approved. These inquiries can lower your score and even signal identity theft. The good news […]
18
Sep
Sep
Seeing a TransUnion hard inquiry you don’t recognize can be alarming—especially if you’re preparing for a loan or major purchase. The good news: when a hard pull is unauthorized or unapproved, you can challenge it. The key is a calm, documented process: confirm eligibility, ask TransUnion (and the furnisher) to verify permissible purpose, and maintain […]
18
Sep
Sep
Seeing an Experian hard inquiry you don’t recognize can be unsettling. Maybe it popped up after visiting a dealership, working with a broker, or clicking a pre-approval link you didn’t intend to authorize. Whatever the situation, the path forward is the same: confirm eligibility, ask Experian (and the furnisher) to verify permissible purpose, and manage […]
18
Sep
Sep
Can Removing Hard Inquiries Improve Your Credit? Short answer: it can help—especially if you have lots of recent hard pulls—but the effect is usually modest and diminishes with time. The bigger wins typically come from paying on time and managing balances. Still, if you spot unapproved hard inquiries, removing them cleans up noise that doesn’t […]
18
Sep
Sep
Hard Inquiry vs. Soft Inquiry – What They Mean and When to Worry Most credit reports show two types of checks: hard inquiries and soft inquiries. They look similar on a consumer copy of your report, but lenders and scoring models treat them very differently. Understanding the difference helps you decide when to relax—and when […]
18
Sep
Sep
Hard inquiries don’t last forever—but they do hang around long enough to matter. When a lender checks your credit as part of an application you authorized, that “hard pull” is added to your file. Most people first notice them when they’re shopping for a car or a credit card and suddenly see a string of […]
30
Aug
Aug
Do Multiple Car Loan Applications Hurt Your Credit? It’s normal to shop around for the best car loan — but after a few applications, you might notice your credit score drop and wonder: do multiple car loan applications hurt your credit? The short answer is: not usually, if done right. But applying too many times […]
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