How to Remove Hard Inquiries in 15 Minutes

 

Your credit score is a critical factor in your financial life. Creditworthiness determines loan, credit card, and financial product approvals by lenders and financial institutions. One factor that affects your credit score is hard inquiries. When you apply for credit, the lender checks your credit report, which results in a hard inquiry. Hard inquiries can have a negative impact on your credit score, making it harder to get approved for future credit. But don’t worry, there are ways to remove hard inquiries from your credit report in just 15 minutes. In this post, we will explore the top ways to remove hard inquiries and improve your credit score fast. By following this guide to remove hard inquiries from your credit report, you can quickly and efficiently improve your credit score and increase your financial opportunities.

 

HERE ARE THE TOP 3 WAYS TO REMOVE HARD INQUIRIES 

• Book a Call With Us To Remove Them With You

• Wait for Hard Inquiries to Fall Off

• Dispute the Hard Inquiries Online

 

1. Work With Us

If you don’t have the time or inclination to dispute hard inquiries yourself, you can work 1 to 1 with us to do it for you. Here at Ripe Enterprise, we specialize in improving credit scores by removing inaccurate information from credit reports, including hard inquiries. We can also help you negotiate with creditors and provide personalized advice on how to improve your credit score.

Simply sign up for a free consultation and we will walk you through step by step how our services can help you. We will then review your credit report and identify inaccurate information, including hard inquiries. We’ll dispute inaccurate information, which can remove hard inquiries from your credit report.

We do not charge any upfront fees and are always 100% honest about if and how we can best assist you.

 

HERE IS THE STEP-BY-STEP PROCESS ON HOW WE WILL REMOVE HARD INQUIRIES FOR YOU

 

A) Obtain a Copy of Your Credit Report

The first step to removing hard inquiries from your credit report is to obtain a copy of your credit report from each of the three major credit reporting agencies – Experian, Equifax, and TransUnion. 

It’s important to review your credit reports from all three agencies since not all lenders report to each agency. Therefore, you might find hard inquiries on one report that aren’t present on the others.

B) Review Your Credit Report

We will work with you to identify any hard inquiries that you wish to dispute. Hard inquiries are typically listed in a section labeled “Inquiries” and will include the name of the company that made the inquiry and the date it was made.

It’s essential to review your credit report thoroughly and ensure that there are no mistakes or errors. Sometimes a hard inquiry can end up on your credit report due to a clerical error or a case of mistaken identity, which we can dispute too.

C) File the Dispute

Once we have identified the hard inquiries that you wish to dispute, we can begin the process of removing them from your credit report. We’ll detail your dispute, including the company’s name and date, and why it’s falsely reported.

After performing this process hundreds of times, one Pro Tip we’ve learned is: when filing a dispute, it’s important to remain polite and professional. State the facts clearly and avoid using emotional language or making baseless accusations.

D) Follow Up

After we have filed a dispute with each credit reporting agency, it is important to follow up to ensure that the hard inquiries have been removed from your credit report. If they haven’t, we will contact the relevant credit reporting agency with you and inquire about the status of your dispute. Some cases may require additional information or evidence to resolve the dispute.

 

2. Wait for Hard Inquiries to Fall Off

Hard inquiries will typically fall off your credit report after two years. If you don’t need to apply for credit anytime soon, waiting for the hard inquiries to fall off may be a viable option. However, it is important to note that waiting for hard inquiries to fall off is not the most efficient way to improve your credit score. If you can’t wait 2 years for hard inquiries to drop, applying for credit now may be necessary.

 

3. Dispute the Hard Inquiries Online

The three major credit bureaus, Experian, Equifax, and TransUnion, allow you to dispute hard inquiries online. Log in to each credit bureau’s website and follow the instructions to file a dispute. Be sure to provide detailed information about the inquiry, including the name of the company that made the inquiry, and the date it was made.

Once you file a dispute, the credit bureau will investigate the inquiry to determine whether it is accurate. If the inquiry is inaccurate, the credit bureau will remove it from your credit report. The entire process usually takes 30+ days, however, and you can dispute multiple hard inquiries at once.

 

Ultimately, How To Remove Hard Inquiries in 15 Minutes

In conclusion, removing hard inquiries from your credit report is a detail-oriented process, but can be completed in just 15 minutes when working with us. By obtaining a copy of your credit report, identifying any hard inquiries that you wish to dispute, and filing a dispute with each credit reporting agency, we can improve your credit score, setting the path for you to achieve your financial goals. 

 

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