Priority Hard Inquiry Removal

A hard inquiry, or a “hard pull,” occurs when you apply for a new line of credit, such as a credit card or loan. It means that a creditor has requested to look at your credit file to determine how much risk you pose as a borrower. Hard inquiries show up on your credit report and can affect your credit score.

We remove hard inquiries by using the FCRA (Fair Credit Reporting Act) laws to permanently remove these inquiries from your credit report. Each inquiry will lower your credit scores by 5 points, and if you have too many of them (6 or more), you will still not be eligible for financing even with a very high credit score. Our service removes all unauthorized hard inquiries from all three credit reporting agencies.

Some Equifax cases resolve during a phone call; others require follow-up. Timing varies by bureau and case. Same-day removal is not guaranteed..

No, you cannot. Inquiries that are linked to an account cannot be removed. Only inquiries NOT linked to any account can be removed.

Types of hard inquiries eligible for removal.

• Unauthorized (the client did not authorize the inquiry),
• Erroneous (the inquiry was mistakenly reported or is inaccurate),
• Fraudulent (the inquiry was made as a result of identity theft or fraudulent activity), or
• Unknown (the client has no knowledge of the inquiry or did not give consent for it to occur).

Linked Inquiry Example: If you have a Capital One account or used to have an account that is now closed, this means that you have a linked inquiry. The inquiry is “linked” because it is connected to an actual account. Since the inquiry is connected to an actual account, this inquiry cannot be removed. 
Not linked Inquiry Example: If you applied for a Capital One account and got declined, you will have a not-linked inquiry on your report. It is considered “not linked” because there is no account tied to that inquiry, so the inquiry can be removed. 

Each credit inquiry can cost you up to 5 points and can get you declined. Removing inquiries makes you eligible for funding, makes your score go up, and makes you look better to get approved for future capital.

The score increase will depend on other factors on your credit report, such as account balances, credit history, number of accounts, etc. Each client’s results are not the same, and we do not guarantee a score increase, though most of the time, our clients see a score increase after the removal.

Six or more hard inquiries are considered too many and can seriously impact your credit score and even get you declined because lenders see you as a high-risk borrower when you have too many inquiries.

Yes, inquiries are permanently removed and will not reappear unless new account applications are submitted.

Request a free credit analysis through our website. Our team will review your current credit report and guide you through the agreement and required documents.

Click the “Sign up Now” button below to start the process.

PHIR costs $395 and includes a hard inquiry review and dispute assistance, prioritizing Equifax. We’ll confirm the inquiries covered before you enroll.

Credit inquiry removal is an effort-based service, and no specific removals or outcomes are guaranteed.

The Priority Hard Inquiry Removal service is a one-time fee of $395, which covers professional inquiry review, dispute preparation, and filing across the applicable credit bureaus. Fees are charged for the work performed, not for guaranteed deletions.

Some inquiries may be eligible for immediate action, while others require written disputes or may remain on the credit report if verified as accurate or linked to an active account. Inquiries tied to open or active accounts generally cannot be removed.

Equifax and TransUnion inquiries are handled through written dispute correspondence as part of the service. Outcomes vary based on bureau and creditor verification.

The one-time fee includes an unlimited number of inquiries. It does not matter if you have 5 or 50+; it is still the same price.

You can contact us via live chat with a real person, and one of our friendly support agents will be happy to answer all your questions Monday-Friday from 10am-5pm (PST).