How to Remove Hard Inquiries from Your Credit Report in 15 Minutes?

There are a number of factors that affect your credit report. Hard inquiry is one of the many factors that influence credit scores. In this article, I will explain how to remove hard inquiries from your credit report in 15 minutes. To know in detail, stay around. 

A hard inquiry is also called a hard pull. A hard inquiry refers to an act when you are required to prove creditworthiness for a type of credit. Either a financial institution or lender will approve of your creditworthiness. 

Hard inquiry is one of the widely talked about topics in the field of consumer tech. Let us dive in to know how to remove hard inquiries from your credit report in 15 minutes. 

How to Remove Hard Inquiries from Your Credit Report in 15 Minutes? 

Credit card reflects your financial health. The hard inquiries are one of the many factors that influence it. So, it is important to be proactive in removing these inquiries. Given below are the ways and methods that you can try to remove hard inquiries from your Credit Report in 15 Minutes. 

1. Dispute with the Credit Bureau

Raise the issue with the credit bureau by providing the necessary information and documents. The bureau is known to investigate and respond with in a period of 30 days. 

2. Contact the Creditor

Another way to remove hard inquiries from your credit card report is to contact the creditor or lender. They will help you solve your inquiry. All your doubts and confusions will be cleared by the lender or creditor. In case the mistake is on their part, it will be rectified accordingly. 

3. Safeguard Your Credit

In case there is any fear of fraud or identity theft, try to approve a proactive approach. Take preventive measures to avoid any such fraudulent act. You can follow the given steps to safeguard your credit. 

1. Set a fraud alert. This will make it difficult for an identity thief to open an account in your name.  
2. To have an official record, it is important to document and record the unauthorized inquiry. 
3. If the case is severe, don’t shy away from filing a police report. 
4. Restrict the access to your account by blocking or freezing your account. 

What Are the Causes of Unauthorized Hard Inquiries? 

There is no definite and single cause of unauthorized hard inquiry. Here are some of the potential causes for such inquiries. 

1. Fraud or Identity Theft: Your identity and details might be used to apply for credit. 
2. At times, the creditors might, without any genuine reason, get hold of your credit. 
3. Credit Bureau Mistakes: Incorrect hard inquiry entry can, at times, lead to unauthorized hard inquiry. 

Wrapping Up

Financial well-being is quite important, and credit score has much to do with it. In such a case, maintaining a credit score is vital. However, it has to be kept in mind that there rea many elements, like hard pull, that affect the credit score. This article explains how to remove hard inquiries from your credit report in 15 minutes. You can refer to this article to know in detail. 

Frequently Asked Questions 

Also Read – How Much Does 1 Late Payment Affect Credit Score?