hard pulls

[Anonymous]

Hello, is there anway to get inquiries off your report even though it hasn't been 2 year? if so how would i go about doing this.

[Anonymous]

 I assume you are talking about  "Hard Pulls"? After six months they will hurt your score a little less and after a year they really have no effect on your score. Getting them off can be hard to do. TU would require the company that did the inquiry to write you or TU and request the inquiry be removed.

EQ if I remember right you can dispute them online however they always seem to come back verified.

EX you would have to write them and tell them what inquiries should be removed.

Granted that this is all based on the fact that the inquiries you want removed have no permissible purpose on being there. A collection company could do a hard inquiry at any point they want as long as they have permissible purpose.

[boomhower]

If you try and get INQ's removed that are legitimate you are asking for trouble.  You have a very high likely hood of a fraud alert being placed on your file that's near impossible to get removed.  INQ's don't have a massive affect on your score and the impact they do have is lessened very quickly.  They aren't worth fighting over assuming they are legimate. 

[RobertEG]

+1

The only way to compel removal of an inquiry is to show lack of permissible purpose.

The only way to compel coding such that is does not appear in CRs avaiable to others (i.e., a so-called soft pull) is to show that it was based on an offer for credit or insurance that was not intitiated by the consumer.

Those are the only statutory bases.  The rest depend on internal coding processes by the CRAs that are not set forth in statute or regulation, and thus almost impossible to dispute.  That also applies to the "two year rule" for continued CR inclusion, which is purely an admin determination by the CRAs as their convenience for purging their files.