A hard inquiry, or a “hard pull,” occurs when you apply for a new line of credit, such as a credit card or loan. It means that a creditor has requested to look at your credit file to determine how much risk you pose as a borrower. Hard inquiries show up on your credit report and can affect your credit score.

We remove hard inquiries by using the FCRA (Fair Credit Reporting Act) laws to permanently remove these inquiries from your credit report. Each inquiry will lower your credit scores by 5 points, and if you have too many of them (6 or more), you will still not be eligible for financing even with a very high credit score. Our service removes all unauthorized hard inquiries from Experian in 24 hours or less.

Experian inquiry removals with us are completed within 24 business hours or less.

No, you cannot. Inquiries that are linked to an account cannot be removed. Only inquiries NOT linked to any account can be removed.

Types of hard inquiries eligible for removal.

• Unauthorized (the client did not authorize the inquiry),
• Erroneous (the inquiry was mistakenly reported or is inaccurate),
• Fraudulent (the inquiry was made as a result of identity theft or fraudulent activity), or
• Unknown (the client has no knowledge of the inquiry or did not give consent for it to occur).

Linked Inquiry Example: If you have a Capital One account or used to have an account that is now closed, this means that you have a linked inquiry. The inquiry is “linked” because it is connected to an actual account. Since the inquiry is connected to an actual account, this inquiry cannot be removed. 
Not linked Inquiry Example: If you applied for a Capital One account and got declined, you will have a not-linked inquiry on your report. It is considered “not linked” because there is no account tied to that inquiry, so the inquiry can be removed. 

Each credit inquiry can cost you up to 5 points and can get you declined. Removing inquiries makes you eligible for funding, makes your score go up, and makes you look better to get approved for future capital.

The score increase will depend on other factors on your credit report, such as account balances, credit history, number of accounts, etc. Each client’s results are not the same, and we do not guarantee a score increase, though most of the time, our clients see a score increase after the removal.

Six or more hard inquiries are considered too many and can seriously impact your credit score and even get you declined because lenders see you as a high-risk borrower when you have too many inquiries.

Yes, inquiries are permanently removed and will not reappear unless new account applications are submitted.

We require an up-to-date credit report directly from Experian.com. Reports from third-party services are not accepted.

Click the “Sign up Now” button below to start the process.

With our Pay After Removal service, you only pay once your Experian inquiries have been successfully removed.

During signup, we’ll place a temporary authorization hold on your card for the service fee amount. This is not a charge — it simply confirms that funds are available.

Your card will only be charged after your Experian inquiries are removed, typically within 24 hours.

Please ensure sufficient funds are available so that the authorization can be approved. If the authorization is declined, we won’t be able to process your file.

The cost for Experian 24-hour hard inquiry removal is only $295 onetime fee. 

Yes. If any eligible Experian inquiries that are not linked to an account are not removed within 48 business hours, we will release the temporary authorization on your card, and you will not be charged. Please note that only eligible inquiries qualify for removal.

The one-time fee includes unlimited Experian hard inquiry removals — a one-time service with no extra charges or hidden fees.

You can contact us via live chat with a real person, and one of our friendly support agents will be happy to answer all your questions Monday-Friday from 10am-5pm (PST).