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How can you delete hard inquiries off your credit report? How long does it take for them to come off the credit report?
Posted by Tasha Lockyer
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:
6 Responses to “How can you delete hard inquiries off your credit report? How long does it take for them to come off the credit report?”
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September 19th, 2011 at 6:47 pm
I was shopping for a car and my credit report now indicated I got 8 hard inquiries in 1 day. I also read that if you are shopping for a car loan (in my situation)or a mortgage loan, as long as the inquries were done w/i 30 days, it constititues for 1 inquiry. How do I change my 8 hard inquries to just 1?
November 11th, 2011 at 10:04 am
Great post! I will keep bookmark. Thank you.
November 27th, 2011 at 9:09 pm
Great site. Plenty of useful information here. I?m sending it to a few friends ans also sharing in delicious. And naturally, thanks to your effort!
November 28th, 2011 at 12:24 am
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January 27th, 2012 at 10:38 am
What if it's been 2 years and the inquiries have yet to drop off?
January 28th, 2013 at 8:14 pm
trying to remove inquiries off of my credit report.