Removing a Hard Pull

[Anonymous]

I refinaced my house over the summer and after reviewing report there were several hard pulls, 11 for the year actually. Two were on the same day, and a couple of others were a few days apart. I believe that at least 2-4 were redundant. What is the best way to try to get these removed. I tryed to use the letter wizzard, but the links don't work, it says error on page. Any suggestions?/ 

[Anonymous]

I believe those inquiries only count as 1 as long their within 30 days.

[Anonymous]

If the inquiries are legit( you authorized them) then you can not have them removed. Discussion of such would get this thread locked and/or removed.

Having said that, inquiries for a mortgage within a set time span are all counted as 1 for scoring purposes. They will all appear separately, but won't count as 11.

What to know about "rate shopping."

Looking for a mortgage or an auto loan may cause multiple lenders to request your credit report, even though youre only looking for one loan. To compensate for this, the score ignores all mortgage and auto inquiries made in the 30 days prior to scoring. So if you find a loan within 30 days, the inquiries won't affect your score while you're rate shopping. In addition, the score looks on your credit report for auto or mortgage inquiries older than 30 days. If it finds some, it counts all those inquiries that fall in a typical shopping period as just one inquiry when determining your score. For FICO scores calculated from older versions of the scoring formula, this shopping period is any 14 day span. For FICO scores calculated from the newest versions of the scoring formula, this shopping period is any 45 day span. Each lender chooses which version of the FICO scoring formula it wants the credit reporting agency to use to calculate your FICO score.

Credit Inquiries: How Credit Checks Affect Your FICO Score