How To Remove Hard Inquiries From Your Credit Report

Written By Mary Beth Eastman
Last updated February 21, 2020

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Credit
February 1, 2019

Simple. Thrifty. Living.

Whether you’re buying a new car or renting an apartment, there are ways to help with your credit report. Hard inquiries affect your credit report for approximately a year so it is helpful to know what to do. Here is more on how to remove hard inquiries from your credit report.

There are two types of inquiries – a hard inquiry and a soft inquiry. Soft inquiries do not affect your credit score because they are often initiated by you. In some cases, a lender will do a soft inquiry to raise your credit limit, but these do not hurt your credit.

A hard inquiry is when you apply for credit. An example is when you buy a new car. The dealership takes information like your name, social security number, address, driver’s license, etc. They will then shop around for lenders and you may see many hard inquiries on your credit report.

The good news is that FICO treats these as one inquiry since it was so that you get the best lender. These fall off of your credit report in a couple of years. Keep in mind though, a hard inquiry may drop your credit score by a few points.

There are a few ways that you can remove a hard inquiry from your credit report.

Time

Allowing the hard inquiry to drop off on its own after a couple of years is one way but this is not always the optimal avenue to take.

Write a Letter

Another way is to write a letter to each credit bureau. Include the reason, the entity that requested the information, and a request for removal. This is called a credit inquiry removal letter. This is ideal for when there is an unrecognized activity or unauthorized activity.

Another way to remove hard inquiries is with a credit repair company. Most credit repair companies do the work for you so that you do not have to write letters or keep up with all of the details. The company can remove items that are unfair, inaccurate, and unverified and this includes hard inquiries that affect your credit score. An affordable credit repair company can help you if funds are tight. Two options that have the best service with the lowest price are Sky Blue Credit Repair and Credit Saint. Check out our Credit Saint reviews to find out more.

This is the easiest route to take to ensure that your credit report is accurate and any unfair report goes away – and you do not have to do the work.

About the Author

Mary Beth Eastman

Mary Beth Eastman serves as the content manager for Simple. Thrifty. Living, where she is dedicated to helping readers use money and credit wisely. Mary Beth believes that access to the right financial information paired with a growth mindset are essential tools for getting out of debt and building wealth. Mary Beth has a degree in Journalism from Bowling Green State University and has focused her 20-year journalism career on putting readers front and center, carefully considering their concerns and presenting information that will help them in their everyday lives. She has won numerous statewide journalism awards. Her writing on personal finance as been featured on numerous websites in addition to Simple. Thrifty. Living, including Huffington Post and Lexington Law blog. Mary Beth resides in Pittsburgh, Pa., with her family and two rescue dogs.

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