Q:  How can you delete hard inquiries off your credit report? How long does it take for them to come off the credit report?

A: Hard inquires usually occur when you apply for some form of credit or a loan, and are a record of when a third party (ie, a credit card company, lender or landlord) requests your credit report in order to grant you credit.  For example, if you apply for a department store credit card in order to save 10% on your purchase, the store will request access to your credit report and it will appear on your report as a hard inquiry.

Per TransUnion, a hard inquiry will remain on your credit report for at least one year, and often up to two years.  If you believe that a hard inquiry which appears on your credit report is incorrect, you can file a dispute request with the credit bureau.  You need to file a separate dispute with each credit bureau the inquiry shows up on.  It sounds like a hassle, but you can actually do this all online via the links below:

Experian
Equifax
TransUnion

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