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 all three credit reporting agencies.

An inquiry removal with us takes 24 business hours for Experian, and the removal from Experian is guaranteed. For Equifax and TransUnion disputes, it typically takes 30-40 days. Disputing Equifax and TransUnion inquiries is completely free when you sign up to remove Experian inquiries. While we do not guarantee removal from Equifax and TransUnion, we are still achieving a strong success rate with both credit bureaus.

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 you to have an up-to-date credit report showing all three credit bureaus. (Credit Karma) is not accepted.

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

With our pay after removal, you know you will be getting the best service possible. You will only pay after Experian inquiries are removed. We will only authorize your card for the amount of the service fee and only charge the credit card after Experian inquiries are removed within 24 hours. You must have the funds available in the account in order for the authorization to get approved, otherwise the file will not be process if authorization is declined. 

With our current promotion, when you sign up to remove Experian inquiries, you will receive one round of Equifax and TransUnion disputes completely FREE. The cost for Experian inquiry removal is $395 for the 24-hour expedited service or $345 for the standard 30-day service. You only pay for the Experian removal — Equifax and TransUnion disputes are included at no extra charge if you requested during signup and provide both Equifax and TransUnion credit reports.

We do not charge your card upfront. Instead, we only authorize a service fee of $395 or $345 depending on which package you choose. The charge will only be processed once we have successfully removed the Experian inquiries. If we are unable to remove the inquiries, the authorization will be released, and the funds will be returned to your account. Equifax and TransUnion disputes are completely free of charge. If requested during the signup process, we will submit disputes for these inquiries at no additional cost. While we cannot guarantee the removal of Equifax and TransUnion inquiries, we have seen positive results with both bureaus. Please note that we can only remove inquiries that are not linked to an account. Inquiries tied to existing accounts cannot be disputed or removed.

The one-time fee includes an unlimited number of inquiries. It does not matter if you have 5 or 50+; it is still the same price.

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).