Maybe a dumb question but...

[JLL2104]

There are companies that claim to remove hard inquiries. Are they legit?

[Andypanda]

If the hard inq. are legitimate, leave them.

[JLL2104]

Some weren’t expected but yeah, all my HP’s are legitimate. May I ask though, why leave them?

[Anonymous]

Trying to dispute credit inquiries, which is what any company is going to do, can get you slapped with a fraud alert mess. I wouldn’t do it. Inquiries fall off after two years and stop affecting your score after one year. Just let the time pass. 

[JLL2104]

Gotcha! Thank you

[CreditInspired]

Because if you made application and a HP was made, there is nothing to dispute.

Believe me when I say this, we all would be tripping over ourselves to get HPs removed if it was legit. 

Yep, save your money and stay away from these scammers. 

[CreditInspired]

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@Anonymous wrote:

Trying to dispute credit inquiries, which is what any company is going to do, can get you slapped with a fraud alert mess. I wouldn’t do it. Inquiries fall off after two years and stop affecting your score after one year. Just let the time pass. 

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+100

[Anonymous]

JLL2104 It is in the rule book that "legally" you can only dispute legimate information. Otherwise, as was already mentioned you may acquire a legal situation (you don't want to go there). The credit bureaus seem to have a competency problem today. There is an old adage: "let the sleeping dog lie" ... good advice!

[dynamicvb]

I personally do not understand the focus so many place on inquiries, yes they hurt a bit and can cause issues with some lenders, but in the large scheme of things the HP's are not what is killing your score. They are only a few points for each one and some are even lumped together so they only count as one. And then they don't count any after a year and are gone in two.

There are better things that you can spend time on to really help your score improve more than trying to get a couple of inquiries off the report. Just my humble opinion