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You might be in the market for a new house or car, or maybe you were just curious, but whatever your reason for checking your credit, you may have noticed that in the credit inquiry section there is a long list of companies that you might not even remember dealing with- but don't worry! There are a few ways that you can remove inquiries from your credit bureau to prevent them from affecting your overall credit score.<br>
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You might be in the market for a new house or car, or maybe you were just curious, but whatever your reason for checking your credit, you may have noticed that in the credit inquiry section there is a long list of companies that you might not even remember dealing with- but don't worry! There are a few ways that you can remove inquiries from your credit bureau to prevent them from affecting your overall credit score.
Before you try to remove inquiries, review your credit carefully and determine what else you might need to take care of first. If you have outstanding debts or unpaid bills, you need to worry about the big fish first. After, you can focus on the hard inquiries.
Chances are when you requested you credit score, you only requested one. Although FICO scores combine Equifax, TransUnion and Experian scores, depending on when each company sends or receives new information it might not be accurate, making it difficult to remove inquiries. Instead, order a copy of your report from each company, and remember: it will be considered a soft inquiry and will not affect your credit score.
This is the most frustrating step, and although it is faster and more convenient to use an inquiry removal service, if you choose to "go it alone" expect a long process that begins with itemizing your hard inquiries, tracking down each company and calling daily. Under the Fair Credit Reporting Act, only checks you consented to should appear on your bureau, but when representing yourself the onus is on you to prove that you didn't give your permission if you want to remove inquiries.
If you attempt correcting your credit on your own and the businesses you contact refuse to remove inquiries, don't respond, or provide what they feel is sufficient evidence of your consent, tryInquiry Busters. In most cases, what it takes to remove inquiries is persistence and if you don't have the time to follow-up, you might not see results.
