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[rpt name=”inquiry-removal”]Did you know that each inquiry on your credit report can hurt your credit score by 2-10 points?
**PLEASE NOTE!**
**CREDIT INQUIRIES THAT SHOULD STAY ON YOUR REPORT.**
Please Note: We DO NOT remove credit inquiries that are attached to OPEN Business and/or Personal revolving and/or installment accounts. Credit inquiries generated through Auto, Mortgage Applications, Rental Applications, Employment, Denied credit application or closed accounts can be removed.
What Exactly is An lnquiry?
An inquiry is a notation on your credit report that indicates a date when there was a review of your credit file or credit report.
There are two types of inquiries that can occur: Hard inquiry and Soft inquiry.
A Hard Inquiry occurs when applying for credit with a lending institution such as a bank, mortgage company or credit card company. This notation will show on your credit report for everyone who reviews your credit to see and can negatively impact your credit scores.
A Soft Inquiry occurs when reviewing your personal credit profile. The individual consumer is the only one that sees this pull of the credit profile and it does not negatively impact your credit score.
Inquiries are necessary to build credit, as in most cases you must apply for credit before being issued credit.
Why Should I Care About Hard Inquiries?Did you know that each inquiry on your credit report can hurt your credit score by 2-10 points? Once you have an excessive amount of inquiries getting any type of financing will be close to impossible. Having numerious credit inquiries on your report can signify to a creditor that you are in financial trouble.
How Long Will Hard Inquiries Stay on Your Credit?A hard inquiry can stay on your report for up to two years. Even after the effect it has on your credit score diminishes. Every time a credit inquiry is made, it is recorded by three credit bureaus, Trans Union, Experian and Equifax.