FAQ

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, 30 days for Equifax & TransUnion for the first round.

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

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.

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 “Signup 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 the current promotion, when you sign up to remove Experian inquiries, you will get one round of Equifax and TransUnion dispute for FREE. You will only pay for the Experian inquiry removal; there is no charge for Equifax or TransUnion dispute. This is a limited time offer only, and the total cost is only $345 one time fee.

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 reach us via live chat on our website, available Monday through Friday from 10 AM to 5 PM (PST). Our friendly agents will be happy to assist you with any questions.