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What is the best way to remove hard Inquiries?

IndianaJones
New Contributor

What is the best way to remove hard Inquiries?

Hello everyone.. I have a lot of HP in the last 18 months. About 40 of them. 12 will fall off in June 2020 (auto loan. My score is near 700. I am never late on my credit cards ever. No collections. I just got BBVA card. My credit/debit ratio is 13%and goal is 7%. My history is 1.1 years with  paid off 4 student loans. My question is : what is the best way to remove credit inquieiws without waiy 24 months to have them fall off. Thank you for your time.

Message 1 of 11
10 REPLIES 10
CS1974
Valued Contributor

Re: What is the best way to remove hard Inquiries?

Just my 2 cents, but I would be very skeptical of a company "removing hard inquiries".   The only real way to get it removed is if it is a result of fraud. 

July 2020
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Transunion Fico 8. 705
Equifax Fico 8. 724

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Message 2 of 11
ClassicMan
Valued Contributor

Re: What is the best way to remove hard Inquiries?


@CS1974 wrote:

Just my 2 cents, but I would be very skeptical of a company "removing hard inquiries".   The only real way to get it removed is if it is a result of fraud. 


I have heard "if you were'nt issued credit its a good chance you can get it removed". I'm not sure how true that is, but I always do my due diligence before I proceed.

12/18/19




05/27/20





Cards

Authorized User
Message 3 of 11
CS1974
Valued Contributor

Re: What is the best way to remove hard Inquiries?

There are no guarantees with approvals.

July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 4 of 11
angelwingz
Valued Contributor

Re: What is the best way to remove hard Inquiries?


@CS1974 wrote:

Just my 2 cents, but I would be very skeptical of a company "removing hard inquiries".   The only real way to get it removed is if it is a result of fraud. 


 Very skeptical! If not fraud, you'll have to wait 2 yrs until they fall off CR's.




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 5 of 11
AverageJoesCredit
Community Leader
Mega Contributor

Re: What is the best way to remove hard Inquiries?

Legitimate inquiries stay on  your report for 2 years +. There is no way to remove them just because you dont like them. As stated, fraud can be a case where they are removed legally but other than that,  you must wait the allotted time for them to fall off and any  company claiming they can remove legit inquiries  is a scam imo. Save your money. 

Message 6 of 11
kdm31091
Super Contributor

Re: What is the best way to remove hard Inquiries?


@ClassicMan wrote:

@CS1974 wrote:

Just my 2 cents, but I would be very skeptical of a company "removing hard inquiries".   The only real way to get it removed is if it is a result of fraud. 


I have heard "if you were'nt issued credit its a good chance you can get it removed". I'm not sure how true that is, but I always do my due diligence before I proceed.


Inquiries that are not a result of fraud are not eligible to be removed. Being denied for credit does not make the inquiry invalid. It will remain for 2 years. If you legitimately applied for credit, approved or not, the inquiry stands.

 

To be honest, I would be very skeptical of dealing with any sketchy company who says they will "remove" the inquiries.

 

It's not worth it anyway IMO, inquiries are by far not the most important factor in your score. If you are being weighed down with inquiries just stop applying for credit and let time do its thing.

Message 7 of 11
angelwingz
Valued Contributor

Re: What is the best way to remove hard Inquiries?


@kdm31091 wrote:

@ClassicMan wrote:

@CS1974 wrote:

Just my 2 cents, but I would be very skeptical of a company "removing hard inquiries".   The only real way to get it removed is if it is a result of fraud. 


I have heard "if you were'nt issued credit its a good chance you can get it removed". I'm not sure how true that is, but I always do my due diligence before I proceed.


Inquiries that are not a result of fraud are not eligible to be removed. Being denied for credit does not make the inquiry invalid. It will remain for 2 years. If you legitimately applied for credit, approved or not, the inquiry stands.

 

To be honest, I would be very skeptical of dealing with any sketchy company who says they will "remove" the inquiries.

 

It's not worth it anyway IMO, inquiries are by far not the most important factor in your score. If you are being weighed down with inquiries just stop applying for credit and let time do its thing.


+10




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 8 of 11
addicted_to_credit
Established Contributor

Re: What is the best way to remove hard Inquiries?

The easiest, best and only legitimate way to remove them is to wait 2 years! They're not scorable after 1 year and if you don't want 40+ inq's then slow down on the apps. Mortgage and automotive inq's are all scored as one as long as 1. They're coded as such and 2. They're done within a certain time frame of each other-- 2 weeks I think.... you will see each one but they're most definitely viewed as one at least on manual review. I'm not sure what the algorithms do with that info though.












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Message 9 of 11
ecxpa
Valued Contributor

Re: What is the best way to remove hard Inquiries?

 


They will probably be back......I have seen that sometimes negatives are removed from a report if a dispute has been initiated on a specific account.......after the investigation they re-appear.   You have to be careful disputing inquiries....if you dispute inquiries, theoretically a company can retract credit that was extended, especially if you say " it wasn't me" on the dispute. 

 

Check with your sister and see if after a while, likely after she has paid for the services, that the inquiries have returned.

Message 10 of 11
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