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Hard inquiries disputed.
Hard pulls from applying for credit that post to your report and can shave points each time.
What are hard inquiries?
A hard inquiry is a record that a lender pulled your credit report because you applied for credit, a loan, or sometimes housing or a phone plan. Each one posts to your report and can shave points off your score. Soft inquiries, like checking your own credit, never hurt you. The problem is that hard inquiries sometimes show up from companies you never applied with and never authorized. Every inquiry is supposed to have a permissible purpose under federal law, most commonly an application you actually submitted. One caveat, a dealership you visited may send your application to several lenders under the single authorization you signed, so a cluster of auto lender pulls is often legitimate even when it looks alarming. The inquiries worth disputing are the ones you genuinely never authorized.
How hard inquiries hurt your score
Several recent hard inquiries can lower a score and signal added risk to lenders, especially when they pile up in a short window. Each inquiry stays on your report for two years, and a cluster of them can be the difference between an approval and a denial.
Your rights under the law
Under the Fair Credit Reporting Act, a company needs a permissible purpose, usually your application or consent, before it can pull your credit. Inquiries you never authorized can be disputed, and the bureaus must investigate them like any other entry. Hard inquiries also age off automatically after two years, so anything older than that has no business on your report. If an unauthorized pull points to identity theft, you have additional rights, including fraud alerts and blocks under federal law.
How we dispute hard inquiries
We review every hard inquiry across your three reports with you, flag the ones you did not authorize or do not recognize, and challenge them with the bureaus as lacking permissible purpose. We track every dispute until the bureaus resolve it, and if a pattern points to identity theft we walk you through the additional protections available to you.
We challenge items that are inaccurate, outdated, or unverifiable. We never promise to remove accurate, current, and verifiable information. Results not typical; individual results vary.
Covered by the Platinum plan
Hard inquiry disputes are included in every plan. Platinum covers up to 5 inquiries at $150 down and $100 bi-weekly, Gold covers up to 10, and Diamond handles 20 or more.
Questions about hard inquiries, answered straight.
How much do hard inquiries affect my credit score?
A single hard inquiry typically costs a few points, but several inquiries in a short period compound and read as risk to lenders. The exact impact depends on the rest of your file, and thin files feel inquiries the most.
How long do hard inquiries stay on my report?
Hard inquiries stay on your report for two years, and their score impact fades well before that, usually within the first year. Any inquiry older than two years should already be gone and can be challenged if it is still showing.
Can I dispute an inquiry I never authorized?
Yes, an inquiry you never authorized can be disputed. Every hard pull requires a permissible purpose under the Fair Credit Reporting Act, and an inquiry the furnisher cannot tie to your application or consent can be challenged for removal.
Do rate-shopping inquiries count separately?
Multiple inquiries for the same type of loan inside a short shopping window, such as auto or mortgage rate shopping, are typically scored as a single inquiry. Unrelated pulls, like a new credit card during your car search, still count on their own.
Also on your report, we work on these too.
See exactly what's on your report. Free.
I pull all three bureaus, map every negative item, and walk you through what can be disputed. One call. No paperwork on your end. No commitment required.
- All three bureaus reviewed together
- Every negative item mapped and explained
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Submitting this form is not a contract. Results not typical; individual results vary.