How to Remove Credit Inquiries from Your Credit Score

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How to Remove Credit Inquiries from Your Credit
Score
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• You might be in the market for a new house or
  car, or maybe you were just curious, but whatever
  your reason for checking your credit, you may
  have noticed that in the credit inquiry section
  there is a long list of companies that you might
  not even remember dealing with- but don't worry!
  There are a few ways that you can remove
  inquiries from your credit bureau to prevent them
  from affecting your overall credit score.

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Step One Prioritize Debts
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• Before you try to remove inquiries, review your
  credit carefully and determine what else you
  might need to take care of first. If you have
  outstanding debts or unpaid bills, you need to
  worry about the big fish first. After, you can
  focus on the hard inquiries.

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Step Two Get the Whole Picture
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• Chances are when you requested you credit score,
  you only requested one. Although FICO scores
  combine Equifax, TransUnion and Experian scores,
  depending on when each company sends or receives
  new information it might not be accurate, making
  it difficult to remove inquiries. Instead, order
  a copy of your report from each company, and
  remember it will be considered a soft inquiry
  and will not affect your credit score.

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Step Three Challenge Hard Inquiries.
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• This is the most frustrating step, and although
  it is faster and more convenient to use an
  inquiry removal service, if you choose to "go it
  alone" expect a long process that begins with
  itemizing your hard inquiries, tracking down each
  company and calling daily.
• Under the Fair Credit Reporting Act, only checks
  you consented to should appear on your bureau,
  but when representing yourself the onus is on you
  to prove that you didn't give your permission if
  you want to remove inquiries.

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What happens if I can't remove inquiries?
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• If you attempt correcting your credit on your own
  and the businesses you contact refuse to remove
  inquiries, don't respond, or provide what they
  feel is sufficient evidence of your consent,
  tryInquiry Busters. In most cases, what it takes
  to remove inquiries is persistence and if you
  don't have the time to follow-up, you might not
  see results.

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