topic Re: How many hard pulls can be removed from report in 1 week . in General Credit Topics

How many hard pulls can be removed from report in 1 week .

Anonymous — Sun, 29 Mar 2020 02:34:41 GMT

How many hard pulls can be removed from report in 1 week .
Ive heard that 10 inquiries within the same week can be deleted from your report, is that accurate.

Re: How many hard pulls can be removed from report in 1 week .

Anonymous — Sun, 29 Mar 2020 02:37:02 GMT

Removed how?

Re: How many hard pulls can be removed from report in 1 week .

Anonymous — Sun, 29 Mar 2020 02:53:41 GMT

Would 10 inquiries within the one week be automatically reported as just 1 inquiry instead.?

Re: How many hard pulls can be removed from report in 1 week .

thornback — Sun, 29 Mar 2020 02:59:44 GMT

@Anonymous wrote:
Would 10 inquiries within the one week be automatically reported as just 1 inquiry instead.?

FYI: This only applies to loan apps when rate shopping, not CC apps. And, in the case of loan rate shopping (and for the same loan type - such as a mortgage or auto), all inquiries will remain on your reports as a record but will be scored as a single inquiry.

You cannot remove hard inquiries unless you declare them fraudulent and proceed with the necessary identity theft steps.

Re: How many hard pulls can be removed from report in 1 week .

Brian_Earl_Spilner — Sun, 29 Mar 2020 02:57:37 GMT

You can't get inquiries deleted unless they're erroneous. If you were rate shopping, your inquiries will only ding you once within a certain time period. That period varies depending on version of score. In the future they will still count as individual inquiries. Luckily, if coded correctly, they shouldn't be hurtful.

Re: How many hard pulls can be removed from report in 1 week .

Anonymous — Sun, 29 Mar 2020 03:11:54 GMT

Any guess on the time period though.

Re: How many hard pulls can be removed from report in 1 week .

Brian_Earl_Spilner — Sun, 29 Mar 2020 03:43:05 GMT

Typically 2 weeks. Older scores could be a month.

Re: How many hard pulls can be removed from report in 1 week .

Anonymous — Sun, 29 Mar 2020 11:19:15 GMT

Ok so because I have 8 inquiries in one week and those aren't limited to one should I dispute it?

Re: How many hard pulls can be removed from report in 1 week .

Anonymous — Sun, 29 Mar 2020 12:27:15 GMT

No. If the inquiries were made, and you OKed them, they are legit and stay. What the poster above meant is that your score will only be affected as if you had one inquiry. You'll take a one-inquiry score hit, not a score hit for each of the eight. But the eight will remain on your reports where they belong.

Re: How many hard pulls can be removed from report in 1 week .

M_Smart007 — Sun, 29 Mar 2020 15:30:08 GMT

@thornback wrote:
@Anonymous wrote:
Would 10 inquiries within the one week be automatically reported as just 1 inquiry instead.?
FYI: This only applies to loan apps when rate shopping, not CC apps. And, in the case of loan rate shopping (and for the same loan type - such as a mortgage or auto), all inquiries will remain on your reports as a record but will be scored as a single inquiry.

You cannot remove hard inquiries unless you declare them fraudulent and proceed with the necessary identity theft steps.

Re: How many hard pulls can be removed from report in 1 week .

Iusedtolurk — Sun, 29 Mar 2020 17:20:44 GMT

@Anonymous wrote:
Any guess on the time period though.

Legit inquiries remain on your report for 2 years on Transunion and Equifax. On Experian they stay for 2 years and 1 month.

Re: How many hard pulls can be removed from report in 1 week .

RSX — Sun, 29 Mar 2020 18:45:28 GMT

And you will need to stop applying for anything if you want the number to actually drop. 40 is a lot of Inquiries.....

I see some of them are the same vendor/provider 5 days apart

I would think 6 months of no new apps would be a good start

Re: How many hard pulls can be removed from report in 1 week .

Anonymous — Sun, 29 Mar 2020 23:34:50 GMT

@RSX wrote:
And you will need to stop applying for anything if you want the number to actually drop. 40 is a lot of Inquiries.....

I see some of them are the same vendor/provider 5 days apart

I would think 6 months of no new apps would be a good start

The OP is obviously looking for mortgage. All those inquires are associated with mortgage companies and third party mortgage shopping. The "damage" to their score is minimal. Although I would advise to OP to stop rate shopping until they are 100% ready to buy. Rate shopping when you are not ready is pointless.