Why Inquiry Removal is Key to
Better Credit and Funding Approval!
Eliminating Hard Inquiries Can Boost Your Credit Score
and Increase Your Chances of Securing the Funding You Deserve.
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Why Inquiry Removal is Key to Better Credit and Funding Approval!
Eliminating Hard Inquiries Can Boost Your Credit Score and Increase Your Chances of Securing the Funding You Deserve.
Look for unauthorized or incorrect hard inquiries
Fight bad credit, get started at no cost with no obligation.
Request to remove hard inquiries from your credit reports if...
You didn't apply for a new credit account, or you didn't authorize the credit inquiry.
If you did apply for a credit account or authorize a hard inquiry, you can't remove it from your reports.
It remains on your credit reports as part of an accurate representation of your credit history, if thats the case, it should fall off your reports after about two years.
Not all suspicious inquiries are fraudulent
Some inquiries may seem suspicious: You might not recognize the name of the company that made the inquiry, or there may be more inquiries than you expect. But those situations don't necessarily indicate a mistake or fraud.
If a hard inquiry you didn't authorize is on your credit reports, it may be because...
Someone fraudulently applied for a credit account using your information
If a hard inquiry you didn't authorize is on your credit reports, it may be because...
A creditor pulled your credit even though it didn't have your permission.
If a hard inquiry you didn't authorize is on your credit reports, it may be because...
The credit bureau mistakenly added the inquiry to your report.
Additional steps as soon as you spot the suspicious activity to help prevent further misuse of your information...
Putting a fraud alert on your credit reports, reporting the theft to the federal Trade Commission, filing a police report, you may even want to consider a credit freeze or locking your credit.
If warranted, file a dispute with the corresponding credit bureau
If you dispute errors in your credit reports, including unauthorized hard inquiries, the credit bureaus are required to investigate. They're also required to correct information that's found to be inaccurate. You can file a dispute with any of the three major consumer credit bureaus -Equifax, Experian and Transunion- that has an inaccurate hard inquiry record for you on its corresponding credit report.
Look for unauthorized or incorrect hard inquiries
Fight bad credit, get started at no cost with no obligation.
Request to remove hard inquiries from your credit reports if...
You didn't apply for a new credit account, or you didn't authorize the credit inquiry.
If you did apply for a credit account or authorize a hard inquiry, you can't remove it from your reports.
It remains on your credit reports as part of an accurate representation of your credit history, if thats the case, it should fall off your reports after about two years.
Not all suspicious inquiries are fraudulent
Some inquiries may seem suspicious: You might not recognize the name of the company that made the inquiry, or there may be more inquiries than you expect. But those situations don't necessarily indicate a mistake or fraud.
If a hard inquiry you didn't authorize is on your credit reports, it may be because...
Someone fraudulently applied for a credit account using your information
If a hard inquiry you didn't authorize is on your credit reports, it may be because...
A creditor pulled your credit even though it didn't have your permission.
If a hard inquiry you didn't authorize is on your credit reports, it may be because...
The credit bureau mistakenly added the inquiry to your report.
Additional steps as soon as you spot the suspicious activity to help prevent further misuse of your information...
Putting a fraud alert on your credit reports, reporting the theft to the federal Trade Commission, filing a police report, you may even want to consider a credit freeze or locking your credit.
If warranted, file a dispute with the corresponding credit bureau
If you dispute errors in your credit reports, including unauthorized hard inquiries, the credit bureaus are required to investigate. They're also required to correct information that's found to be inaccurate. You can file a dispute with any of the three major consumer credit bureaus -Equifax, Experian and Transunion- that has an inaccurate hard inquiry record for you on its corresponding credit report.
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(McGuire Consulting Agency Trusted Score 5.0 / 5.0)
Rated
(McGuire Consulting Agency Trusted Score 5.0 / 5.0)
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