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The common myth is that you cannot remove active inquiries from your credit report, but it is all about timing. When you apply for a credit card, the inquiry appears within 24 hours, but the account is not reported to credit bureaus for two to four weeks. During this time, if you dispute the inquiry, the bureaus will see that while the inquiry exists, there are no open accounts linked to it. This gap allows you to remove the inquiry without risking the shutdown of your account. Understanding this process is crucial for managing your credit effectively.
