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.
An inquiry removal with us takes 24 business hours for Experian.
No, you cannot. Inquiries that are linked to an account cannot be removed. Only inquiries NOT linked to any account can be removed.
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.
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.
An up-to-date Experian credit report is required to initiate the process.
Click the "Signup Now" button below to start the process.
The total charge is a one-time fee of $345 for the Experian inquiry removal service.
Yes, we provide a 100% money-back guarantee if we fail to remove inquiries that are not linked or associated with any account from your Experian report.
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 call us at 747-296-8185 Monday-Friday from 10am-5pm (PST) and one of our friendly agents will answer all your questions.