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how do i get hard inquries deleted

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Joined: 02 Feb 2009
pantherexpress's page
Posts: 5

284 Magic Points

Subject: how do i get hard inquries deleted
Posted on Mon Feb 02, 2009 5:32 pm  

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


Joined: 06 Jul 2006
Mary's page
Posts: 684

17426 Magic Points

Posted on Tue Feb 03, 2009 11:21 am  

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.
Where there's a will, there's a way !!


Joined: 28 Jun 2006
scott's page
Posts: 446

10890 Magic Points

Posted on Tue Feb 03, 2009 11:26 am  

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.

Use your credit account responsibly and enjoy a debt free life.


Joined: 31 Jul 2006
anthony's page
Posts: 516

13607 Magic Points

Posted on Tue Feb 03, 2009 11:36 am  

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
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.

Subject: Hard inquiries
Posted on Sun Jun 06, 2010 5:52 pm  

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?


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: hard inquiries
Posted on Mon Jun 07, 2010 12:03 pm  

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.


Keep in touch Smile

Subject: hard inquiries
Posted on Wed Aug 11, 2010 8:25 am  

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?


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: hard inquiry
Posted on Wed Aug 11, 2010 9:15 am  

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.


Keep in touch Smile

Subject: credit
Posted on Thu Feb 17, 2011 12:31 pm  

how long does it takes an individual to be debts free after a long struggle?
Diane M. Roche

Subject: Hard inquiries
Posted on Thu Jan 09, 2014 5:28 am  

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

Subject: Automotive Hard inquiries
Posted on Thu Mar 08, 2018 10:18 pm  

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
Armando Lee

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Posted on Sun Sep 30, 2018 1:32 am  

This article was very useful. I had a bank do a hard pull when they told me they were going to check if I pre-qualified. The bank agreed to remove the inquiry but never did and I disputed that with Experian. Experian, however refused to remove the inquiry with the reason that the bank had “permissible purpose”. Filing a complaint with the CFPB with the bank manager’s promise was enough to make them remove it. All my effort to get this done was proven effortless until I came across this credit instructor who instructed me on how to get it done on my own after we both agreed on a deal he helped me get this done and all inquiry and other item were removed on my report and my score increased to its maximum (780 Excellent). Thanks Computer Surgeon for a great job. You can reach him if you need a similar service he will help you get it done with no problem in future (computer.surgeon@outlookcom)

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