What are hard inquiries? They are records of someone checking your credit report that affects your credit score. Credit score normally drops about 5 points per hard inquiry. People get hard inquiries by applying for credit cards and loans. Hard inquiries stay on your credit report for 2 years.
A soft inquiry is when you check your own credit report. It has no effect on your credit report and score. Some people are able to successfully remove hard inquiries of their credit reports. They do this by doing a soft inquiry everyday using a credit monitoring service that allows them to do daily soft inquiry. This can be done once a day, and after awhile(50+ soft inquiries), their hard inquiries on their credit report gets dropped off because there is only a limited amount of storage for inquiries. The three credit reporting bureaus TransUnion, Equifax, and Experian usually hold anywhere from 60 - 100 inquiries per account. Some people report having their hard inquiries drop after 50+ attempts.
Removing hard inquiries only work on TransUnion and Equifax. It does not work on Experian’s report.
This does not always work because the credit bureau may split the credit report into 2 reports instead of dropping off the old inquiry.
Removing hard inquiry from your credit report makes your credit report look a lot better. It also raises your credit score because the hard inquiry is no longer on your report. Having a lot of hard inquiries makes your credit report look bad because creditors may think that you’re desperate to get credit.
There has been discussion about bumping hard inquiries on forums such as Fatwallet and Credit Boards.
I have been doing a soft inquiry everyday on my credit report a few months ago using TrueCredit. Nothing has happened back then until I started doing soft inquiries again last. I now use CreditSecure from American Express. It costs $11.99 a month and gives user the ability to do a soft credit inquiry every day.
I was able to bump 2 hard inquiries off my Transunion credit report within the last week. I started off with 6 inquiries with Experian, 2 with Equifax, and 3 with TransUnion. Now I have 6, 2, and 1 hard inquiry.
[...] Bumping Hard Inquiries Off your Credit Report. What’re hard inquiries? They are records of someone checking your credit report that affects your credit score. Credit score norshopping complexy drops about 5 points per hard inquiry. People get hard inquiries by applying for credit cards and loans. Hard inquiries stay on your credit report for 2 years.A soft inquiry is when you check [.] (more) [...]
Experian inquiries can’t be B’ed like the others. You’ll notice that they don’t drop with your soft pulls.
http://www.hustleblog.com
How do you remove a hard inquiry from your report? The inquiries are valid, but I wasn’t aware these type of companies would even look into something like this. Without being specific, but just want to leave a few examples, I got an inquiry for signing up for new cable service, opening a new account at a bank & getting the “rapid refund” from my taxes last year.
Use a credit monitoring service such as credit secure from Amex or Truecredit pull your credit report everyday. After a few months, the hard inquiries will drop from your Transunion and Equifax. Experian hard inquiry cannot be bumped.
I currently have 6 Experian inquiry and 0 for Equifax and Transunion.
I have 52 hard inquiries for 2006. I wish to have most of them deleted, however I don’t wish to write 52 letters to the companies who initiated the inquiries. Do I have to wait until 2008/2009 for them to fall off? Or can they fall off before 2008 arrives? Thank you.
Karen Allan
How did you get those hard inquiries? Writing to them would only work if they made an error. The hard inquiries will stay on your credit record for 2 years. You can try to bump them off by doing soft inquiries, especially if you need a good credit score by 2008.
I recieved 2 hard inquiries from a car lender that I have been payng for 3 years. I thought that these type were soft inquiries. I did not ask them to check they were just checking on me I guess because I was late.
I was searching for ‘check credit report’ at google and got this your post (’Bumping Hard Inquiries Off your Credit Report.’) in search results. Not very relevant result, but still interesting to read
hey guys i went to BBB.ORG AND TRUECREDIT.COM IS NOT A GOOD WEBSITE TO BE GOING TO. THEY’RE GIVING A D AND SO ON… I HAVE 15 HARD INQURIES @ 21 AND IM JUST TRYING TO GET THESE OFF THE RIGHT WAY WITHOUT GETTING SCREWED AND TRUECREDIT SEEMS LIKE IT COULD BE THE ONE THAT COULD SCREW PEOPLE… I found this but there is nothing on bbb.org
http://www.removemycreditinquiries.org/faq.html
athleticandy88@aol.com if anyone can help me out… thanks