You'll need to call each company's credit department and provide one of four reasons for removal:
If calling doesn't work, you'll need to send a dispute to the credit Bureaus. You can create a dispute using the laws in the Fair Credit Reporting Act.
If your ID is stolen, you can remove hard inquiries by contacting the credit reporting agencies or the creditor (or w/ a dispute). If you aren't an ID theft vicitim, you'll have to wait 2 years for the hard inquiry to fall off your report.
A credit inquiry occurs when a lender looks at your credit report. When you apply for a loan or credit — and the lender checks your credit — it shows on your report as an inquiry. Having too many inquiries can lower your credit score.
You can remove hard inquiries from your credit report — if they are based on inaccurate information. The process involves disputing the inquiry, and a reputable company like Credit Glory can help. If the information is correct, they fall off your report in 2 years.
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