Transform your daily workflows and Erase Inquiry

Aug 6th, 2022
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How to Erase Inquiry

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out of having all these credit inquiries let me show you how to get them deleted all right its your boy digital trapping back at it again with another video Im going to show you how to get credit inquiries deleted now a lot of times what we do is we call into the bureaus and things like that call them to the credit reporting agencies or the bureaus whichever one you want to call it and we try to get inquiries deleted then they try to make us go through extra steps to get them deleted so theres always another way to actually getting this stuff deleted so a lot of times most people dont understand is that credit repair is an actual process its not just something that you could just do overnight now dont get me wrong I have gotten credit inquiries deleted within like eight hours sometimes 24 to 72 hours I have wiped out credit reports you know with as far as inquiries and things like that too uh with the method that Im about to show you so with this method what were going to do i

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One way is to go directly to the creditor by sending them a certified letter in the mail. In your letter, be sure to point out which inquiry (or inquiries) were not authorized, and then request that those inquiries be removed. You could also contact the 3 big credit bureaus where the unauthorized inquiry has shown up.
Can I remove an inquiry from my credit report? You cant remove a legitimate inquiry from your credit report. The only inquires that can be removed from your credit report are those that are incorrect or erroneous, such as if a lender made a hard pull on your credit without proper authorization from you.
The fastest way to remove hard inquiries from a credit report is to file a formal dispute. Credit bureaus will sometimes remove the disputed record right away while they conduct an investigation, at which time it will either be reinstated or removed permanently.
One way is to go directly to the creditor by sending them a certified letter in the mail. In your letter, be sure to point out which inquiry (or inquiries) were not authorized, and then request that those inquiries be removed. You could also contact the 3 big credit bureaus where the unauthorized inquiry has shown up.
In most cases, hard inquiries have very little if any impact on your credit scoresand 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 muchor see any movement at all.
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.
If you cant trace the reason for a hard inquiry or you believe it was done without your consent, you can dispute it online. If the credit bureau cant confirm it as a legitimate inquiry, its required to remove it.
Disputing hard inquiries on your credit report involves working with the credit reporting agencies and possibly the creditor that made the inquiry. Hard inquiries cant be removed, however, unless theyre the result of identity theft. Otherwise, theyll have to fall off naturally, which happens after two years.

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