Hard Inquiry Removal Services

A hard inquiry (also called a hard pull or hard credit check) occurs when a lender or creditor checks your credit report as part of a lending decision. Unlike soft inquiries (which occur when you check your own credit or when companies pre-approve you for offers), hard inquiries can affect your credit score. Each hard inquiry typically remains on your credit report for two years, though its impact on your score diminishes after about 12 months. Common sources of hard inquiries include credit card applications, mortgage applications, auto loan applications, apartment rental applications, and some utility or cell phone service activations.

We review your credit reports to identify all hard inquiries and determine which ones may be unauthorized, fraudulent, or improperly reported. You must provide written consent for a creditor to pull your credit report, so any inquiry made without your permission violates the Fair Credit Reporting Act. We prepare dispute letters challenging unauthorized inquiries and work to have them removed from your credit reports. We also help identify patterns that may indicate identity theft, such as inquiries from companies you've never contacted.

Too many hard inquiries can lower your credit score and signal to lenders that you may be desperate for credit. While each inquiry typically only drops your score by a few points, multiple inquiries in a short period can add up quickly. Our hard inquiry removal service helps you identify and dispute unauthorized or fraudulent inquiries to restore your credit profile.