how do i get hard inquries deleted

Submitted by pantherexpress on Mon, 02/02/2009 - 17:32
Forums

i have hard inqurries on my report does that include applying for a credit card is that concidered hard inqurie and if so can that be removed from your credit report it looks like about 12 of them and if so what do i need to do to get rid of them

thank you
pantherexpress

Hard inquiries are made whenever you apply for a new line of credit, be it a credit card application or a personal loan application. Whenever, the creditor pulls out your report for checking your credit history, a hard inquiry is made in your report. Each hard inquiry reduces your credit score by as much as 5 to 10 points. More and more hard inquiries suggest that you are credit hungry which gives a negative image to the creditors. Hard inquiries remain in your credit report for 2 years after which it gets automatically removed.

Tue, 02/03/2009 - 11:21 Permalink

Hard inquiries can stay in your credit report only if such an inquiry is authorized by you, or in other words, a creditor can make a hard inquiry only after you have applied for a new line of credit and not before that. If you have not applied for a new line of credit and find that an inquirer is listed against a hard inquiry, just send them a letter asking them either to remove the hard inquiry listing or verify your authorization. The inquirers remove the listing from your credit report if they cannot verify your authorization.

Tue, 02/03/2009 - 11:26 Permalink

Yes, you should send a letter to the inquirer immediately by certified mail. If you can get at least 5 to 6 hard inquiries removed from your credit report, your score will come up by at least 30 points. There is a sample letter in this forum to remove hard inquiry. You can just personalize it by putting in your name and address and the name of the inquirer. You can get the letter by visiting the link letters of credit

Tue, 02/03/2009 - 11:36 Permalink
Carmen (not verified)

Is it possible to have hard inquiries removed that were approved by you?

I have 8 inquiries that I want removed, however they were not un-authorized by me. I do have multiple inquires from when I bought the house last year (3). Is it possible to have them removed?

Sun, 06/06/2010 - 17:52 Permalink

Hi Carmen,

Authorized hard inquiries cannot be removed. They will fall off after 2 years from the date of entry on your credit report. However, you can still try to dispute these with the credit bureaus. If your luck favors, this may work.

Thanks,

Aaron

Mon, 06/07/2010 - 12:03 Permalink
John21 (not verified)

A Chase banker at a branch convinced me to apply for a business card since I have a business checking account with them. She assured me that it was going to be a soft pull. I asked twice and she said she promised that it would be a soft. Now, after I got home I checked and it was a hard pull. I am so angry right now.

What should I do?

Wed, 08/11/2010 - 08:25 Permalink

Hi John,

Whenever you apply for new credit, there would be a hard pull on your credit report.

She assured me that it was going to be a soft pull.

It can never be so if you have applied for a credit card. The creditor needs to pull our credit report to check how reliable you are.

Thanks,

Aaron

Wed, 08/11/2010 - 09:15 Permalink
elijah (not verified)

how long does it takes an individual to be debts free after a long struggle?

Thu, 02/17/2011 - 12:31 Permalink
Diane M. Roche (not verified)

hi, I need yo get 10 inquires removed. sears cbna- sept 15,2013, LIBERTY TOYOTA- MARCH 13,2013, CHASE JUNE 12,2012,WILLIS HONDA- JUNE 15,2012, VALLEY NATIONAL BANK- JUNE 15, 2012, TD AUTO FINANCE-JUNE 15,2012, GATEWAY ONE JUNE 15 2012,CHASE JULY12, 2012, AMWERICAN HONDA APRIL12,2012, WILLIS HONDA APRIL 12, 2012. CAN YOU PLEASE HELP ME WITH THIS. THANK YOU, DIANE ROCHE. TEL-856-778-1113

Thu, 01/09/2014 - 05:28 Permalink
Debra (not verified)

I recently purchased a car. I told them i did not want more than 3 inquiries done. The next month i had 12 inquiries on my report. Can i dispute these and have them removed

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Wed, 05/02/2018 - 16:10 Permalink
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Tue, 01/22/2019 - 12:43 Permalink
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Wed, 01/23/2019 - 08:26 Permalink
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Fri, 01/25/2019 - 02:55 Permalink