How to Remove Hard Inquiries From Your Credit Report (2024)

In this article:

  • What Is a Hard Inquiry?
  • Should You Remove Hard Inquiries?
  • Disputing Inaccurate Hard Inquiries Yourself
  • Check Your Credit Report Regularly

Disputing hard inquiries on your credit report involves working with the credit reporting agencies and possibly the creditor that made the inquiry. Hard inquiries can't be removed, however, unless they're the result of identity theft. Otherwise, they'll have to fall off naturally, which happens after two years.

The Fair Credit Reporting Act (FCRA) requires the credit bureaus (Experian, TransUnion and Equifax) to inform consumers when a creditor or other business entity performs a hard inquiry, or "hard pull," on your credit report. They do this by noting the inquiry in your credit file.

Here's what you need to know about hard inquiries, how they affect your credit score and how to dispute one in your credit report.

What Is a Hard Inquiry?

A hard inquiry occurs when you apply for a new loan or credit card. It involves the lender checking one or more credit reports to determine whether you meet its creditworthiness criteria. This is also sometimes called a hard credit check or hard pull.

Hard inquiries differ from soft inquiries in two major ways. First, hard inquiries occur when you apply for a loan, credit card or other financing.

Soft inquiries, on the other hand, can happen upon your request—such as when you want to check your credit report—or even without your knowledge, which happens when lenders check your credit before sending you a preapproval offer.

Second, soft inquiries don't affect your credit scores at all, while each hard inquiry typically knocks a few points off your credit score. The more hard inquiries you have on your reports, the riskier you'll be viewed by prospective lenders. Why? Because applying for different types of credit relatively often could indicate financial instability, and that translates to risk in a lender's eyes.

Hard inquiries stay on your credit reports for two years before they fall off naturally. If you have legitimate hard inquiries, you'll likely need to wait until the 24-month period is over to see them disappear.

Not all hard inquiries impact credit scores. When you're rate shopping for an auto loan or mortgage, you may have several hard inquiries, as lenders check your credit to determine what terms and rate to offer. As long as you apply for the loans within a 14-day period (or sometimes slightly longer), credit scoring models will consider them as one inquiry.

Should You Remove Hard Inquiries?

The idea of removing hard inquiries from your credit report to improve your credit score may sound appealing. But disputing a genuine hard inquiry on your credit report will likely not result in any change to your scores.

You can, however, dispute ones that are a result of fraud. This can happen when an identity thief uses your Social Security number and other personally identifiable information to open a new account in your name.

For most people, that one extra hard inquiry may drop your credit score by just a few points temporarily, but new lenders likely aren't going to decline your application for credit just because you have hard inquiries on your credit report. While hard inquiries take two years to fall off your credit report, typically their impact to credit scores lasts just a few months.

However, if you already have several hard inquiries on your credit report from the past couple of years or you have other, more serious, issues that are hurting your credit, one new inquiry could make it more difficult to get approved for a loan or credit card with favorable terms.

Disputing Inaccurate Hard Inquiries Yourself

It's important to check your credit reports regularly for accuracy. If, while doing this, you've noticed a hard inquiry on your credit report that you believe is the result of identity theft, you can file a dispute with each of the three national credit reporting agencies and petition to have them update the inaccurate information.

The first step is to review your Experian credit report through our Dispute Center and verify your information. Next, confirm that the inquiry was not a result of identity theft.

There may be situations where you don't recognize the name of a company that checked your credit or you don't remember applying for a loan with a company you do recognize. Here are a few scenarios when inquiries you don't recognize may be legitimate:

  • You may have solicited a home repair and provided your Social Security number to the vendor, and they may have taken that as an authorization to check your credit for financing reasons.
  • If you sought financing when you were shopping for a car, a dealership may have sent your loan application to multiple lenders to find you the most favorable interest rates. Multiple inquiries with company names that you don't recognize could show up from that time period. If they all fell within a window of a few weeks, they will be considered rate shopping and will only count as a single inquiry in credit score calculations.
  • The same scenario could happen with mortgage applications. For example, you may have solicited mortgage rates online, where a website sent your application to multiple lenders to find you the best rate. Also, you may have worked with mortgage servicer who sent your application to a lender, and that lender may have checked your credit on behalf of the mortgage servicer.
  • Another example when a hard inquiry may look like fraud involves store credit cards. National retail stores may use financial services companies for their store cards, and when inquiries are made, they may show up with company names you don't recognize. For example, if you apply for credit at Kay Jewelers, you may see an inquiry from "Comenity Bank/Kay" on your credit report.

If you don't recognize the company name that performed the hard inquiry, contact the company for more information. When you check your credit report through the Experian Dispute Center, the hard inquiry will be accompanied by the company name and typically the mailing address and a phone number.

If you have verified that the hard inquiry is due to identity theft, then the dispute would be handled over the phone with Experian specialists. You can visit our Dispute Center to find out support options. There is no charge to use this service.

Once you submit the request, you can track your progress through the Dispute Center. Generally, the dispute process will be done within 30 days. If the inquiry was found to be valid, it will not be removed from your credit report. However, if the investigation shows the inquiry was a result of identity theft, it will be removed from your report.

Check Your Credit Report Regularly

It isn't common to find inaccurate information on your credit report, but it can happen. To avoid letting fraudulent and other erroneous information go unchecked, make it a goal to check your credit report regularly. Review what's listed and watch out for anything you don't recognize.

Also keep an eye on your credit score (you can check your FICO® Score☉ for free with Experian), and watch out for sudden drops that could indicate fraudulent activity, such as a bogus account opened in your name that's gone unpaid.

It's not always possible to prevent identity theft, but as you keep track of your credit history, you'll be in a better position to stop a difficult situation from getting much worse.

Learn More About Credit Inquiries

  • How Long Do Hard Inquiries Stay on Your Credit Report?
    Hard inquiries will stay on your credit report for 24 months, but their potential negative effects won’t last nearly that long.
  • How Many Hard Credit Inquiries Is Too Many?
    When it comes to calculating your credit scores, hard inquiries represent just one part of the equation.
  • What Are Inquiries On Your Credit Report?
    Inquiries appear on your credit report anytime someone (including you) checks your credit. Understanding them can help when you want to apply for credit.
  • What Happens When Hard Inquiries Are Removed From Your Credit Report?
    Hard inquiries only affect your credit minimally, and are not even considered by credit scoring models by the time they are removed. Here’s what you need to know.
  • How Many Points Does an Inquiry Drop Your Credit Score?
    Dear Experian, How many points does your credit score drop when a lender looks at your credit report? - JOE Dear JOE, According to FICO, a hard inquiry from...
  • Are Hard Inquiries Considered Derogatory?
    Inquiries on your credit report aren’t considered derogatory—in fact, they are neither positive nor negative. Here’s what you need to know.
How to Remove Hard Inquiries From Your Credit Report (2024)

FAQs

How to Remove Hard Inquiries From Your Credit Report? ›

Hard inquiries stay on your credit report for two years, but your FICO® Scores will only be impacted by hard inquiries posted in the last 12 months, according to Experian. You can request a free credit report from each of the three credit bureaus once a year.

How can I remove hard inquiries from my credit report fast? ›

How Do You Dispute (and Remove) Unauthorized Inquiries?
  1. Obtain free copies of your credit report. ...
  2. Flag any inaccurate hard inquiries. ...
  3. Contact the original lender. ...
  4. Start an official dispute. ...
  5. Include all essential information. ...
  6. Submit your dispute. ...
  7. Wait for a verdict.

What to do if you have a hard inquiry on your credit report? ›

Imagine this troubling scenario: You're looking at your credit reports, and you spot a hard inquiry that you don't recognize.
  1. Contact the company that made the inquiry.
  2. Report and document the fraud.
  3. Notify the credit bureaus.
  4. Place a fraud alert.
  5. Dispute the unauthorized inquiry with the credit bureaus.
Jul 19, 2023

Will hard inquiries disappear? ›

Hard inquiries stay on your credit report for two years, but your FICO® Scores will only be impacted by hard inquiries posted in the last 12 months, according to Experian. You can request a free credit report from each of the three credit bureaus once a year.

How many points will my credit score increase when a hard inquiry is removed? ›

In most cases, hard inquiries have very little if any impact on your credit scores—and they have no effect after one year from the date the inquiry was made. So when a hard inquiry is removed from your credit reports, your scores may not improve much—or see any movement at all.

Can you pay someone to remove hard inquiries? ›

Credit repair companies cannot remove legitimate hard inquiries, and they can't remove inaccurate inquiries any more effectively than you can yourself. You have the right to dispute inaccurate hard inquiries on your credit report for free.

Can you legally remove inquiries from your credit report? ›

If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests unless they determine your dispute is frivolous. Still, not all disputes are accepted after investigation.

How many points is a hard inquiry? ›

How do hard inquiries impact your credit score? A hard credit inquiry could lower your credit score by as much as 10 points, though in many cases, the damage probably won't be that significant. As FICO explains, “For most people, one additional credit inquiry will take less than five points off their FICO Scores.”

How many hard inquiries are bad? ›

Since hard inquiries affect your credit score and what is found may even affect approval, you might be wondering: How many inquiries is too many? The answer differs from lender to lender, but most consider six total inquiries on a report at one time to be too many to gain approval for an additional credit card or loan.

How to dispute a credit report and win? ›

Dispute mistakes with the credit bureaus. You should dispute with each credit bureau that has the mistake. Explain in writing what you think is wrong, include the credit bureau's dispute form (if they have one), copies of documents that support your dispute, and keep records of everything you send.

How to get a hard search removed from a credit report? ›

Can I get hard searches removed? No, you can't remove a hard search if it was the result of a credit application you made. But most hard searches will drop off your report after a year. However, if you see a hard search on your report that you don't recognise, it could be a sign of fraud or identity theft.

How long should you wait between hard credit inquiries? ›

Lenders typically perform a hard inquiry on your credit if you're applying for a mortgage, auto loan, credit card or student loan. Space out your credit applications — about every six months — to avoid major damage to your score.

What if inquiries on credit report not mine? ›

It's best to call the bureau or mail them a letter to dispute a hard credit inquiry. If you have proof the inquiry was fraudulent, it is relatively easy to remove. However, if the company claims it was valid, it can be much harder to dispute.

How to remove hard inquiries fast? ›

The easiest way is to file a dispute directly with the creditor. If the creditor cooperates, the inquiry may be removed after sending a single dispute letter.

How fast does your credit score go up after a hard inquiry? ›

FICO® reports that a hard inquiry will reduce your credit score by five points or less. Your scores should rebound in a few months.

How to remove hard inquiries from Experian? ›

Disputing hard inquiries on your credit report involves working with the credit reporting agencies and possibly the creditor that made the inquiry. Hard inquiries can't be removed, however, unless they're the result of identity theft. Otherwise, they'll have to fall off naturally, which happens after two years.

Is 3 hard inquiries bad? ›

Since hard inquiries affect your credit score and what is found may even affect approval, you might be wondering: How many inquiries is too many? The answer differs from lender to lender, but most consider six total inquiries on a report at one time to be too many to gain approval for an additional credit card or loan.

How can I remove my hard inquiry from TransUnion immediately? ›

Send a letter to each credit reporting agency requesting removal of the fraudulent inquiry
  1. Include a copy of your FTC Identity Theft Report with your letter.
  2. If you are requesting deletion of an inquiry from your TransUnion credit report, send your letter to the address below: TransUnion. P.O. Box 2000. Chester, PA 19016.
Dec 11, 2019

How to freeze 3 credit bureaus? ›

Contact each of the three major credit bureaus — Equifax, Experian and TransUnion — individually to freeze your credit:
  1. Equifax: Call 800-349-9960 or go online. ...
  2. Experian: Go online to initiate, or for information call 888‑397‑3742. ...
  3. TransUnion: Call 888-909-8872 or go online.
Mar 26, 2024

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