HARD INQUIRY REMOVAL GUIDE

Have you ever applied for credit?

The following are some examples of activities that usually warrant an inquiry to your credit report:

*Purchasing or leasing a new car

*A new home

*Lease on an apartment

*Cellular contract

*Financing Furniture

*Store credit card

*Personal loan

*Purchasing insurance(auto, home, etc)

*Applying for a job where a credit check is required

The entity requesting information on your behalf will usually provide you with the results, as mandated by law.

Types of Inquiries:

There are two types of inquiries, hard and soft.

*Hard pulls or inquiries occur when you, the consumer, apply for new credit. You’d have to give express consent for a creditor to view the information in your credit report.

*Hard pulls will verify your information, your credit score, and items on your credit report. This information is needed for the creditor to decide whether to extend new credit or not.

*Soft pulls are generally done without your express consent. Insurance companies or credit card companies make these inquiries when they are pre-screening you for eligibility of offers.

*Hard inquiries are basically the only inquiries to remove, as they can pose as negatives in the eye of a creditor. This hard inquiry removal guide will help you eliminate hard inquires within 24 to 48 hours.