Can I pay to get inquiries removed?

A legitimate hard inquiry usually can’t be removed. But it disappears from your credit report after two years, and typically only impacts your score for about one year. If you find an unauthorized hard inquiry on your report you can file a dispute and request that it be removed.

Can I remove inquiries online?

If you can’t trace the reason for a hard inquiry or you believe it was done without your consent, you can dispute it online. If the credit bureau can’t confirm it as a legitimate inquiry, it’s required to remove it.

Does a 609 letter work?

There’s no evidence to suggest a 609 letter is more or less effective than the usual process of disputing an error on your credit report—it’s just another method of doing so. Any accurate or verifiable information will stay on your credit report—a 609 letter doesn’t guarantee its removal.

How do I remove hard inquiries from my credit report?

You can’t remove inquiries from your credit report simply because you decided against a new line of credit or you don’t like having the inquiry there. Fortunately, hard inquiries are not a big cause for concern.

How do I dispute a credit card inquiry?

If an item can be disputed, there are a couple of ways you can proceed. One way is to go directly to the creditor by sending them a certified letter in the mail. In your letter, be sure to point out which inquiry (or inquiries) were not authorized, and then request that those inquiries be removed.

Why is my credit card inquiry not identifying the store?

If you applied for a credit card for use at a particular store, the inquiry may not clearly identify the store but may instead name the bank that runs the store’s credit card program. If there are inaccuracies, you can have them removed by filing a dispute with the credit bureau.

What is a hard credit inquiry and how does it work?

A hard credit inquiry (sometimes referred to as a “hard pull”) takes place when a company or entity has a legitimate business reason to look into your credit. In this case, the lender or creditor is seeking information about whether or not you will be reliable in paying the money back.