How To Remove Credit Inquiries

By Author: Courtney Dawson
Total Articles: 39
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Have you ever thought that a credit inquiry can negatively affect your credit report? If you are planning to improve your credit score, it is essential that you deal with the hard inquiries first. Let’s go through the ways of getting rid of negative queries.

As you look for ways to improve your credit score, it is critical for you to consider credit inquiries. There are two types of inquiries that could appear on your credit report these are soft and hard inquiries.

Soft inquiries are nothing to worry about since they do not affect your credit score in any way and other lenders do not see them. These occur when a company is looking for potential consumers to offer accounts to. These accounts do not require your permission to view the credit debts and therefore you are not held against them. Other accounts though, can be a problem.

How to Get Rid of Hard Inquiries

To improve your credit score quickly, it is critical for you to consider hard inquiries. These are the type where you request credit and the lender then pulls a copy of your credit report and credit score to verify the information provided ...
... on it is accurate. You need to know a few things about these.

• To learn how to improve credit score information, it is very important for you to consider why they are there. Avoid applying for credit very often, or at all. If you do apply for a new line of credit, make it just one account every six months or so.

• In most cases, these inquiries will remain on your credit report for up to two years. At that time, they should come off on their own. If they do not, file a dispute with the credit bureau and request the information to come off.

• If you do not believe the inquiry should be there, and did not initiate it, then it is best to dispute this information through the credit bureau. If the lender cannot prove you requested the information, it will come off your credit report.

To improve credit score information quickly, ensure that your credit report is accurate and up to date or seek the help from the top credit repair companies or a credit repair software. Do this at least two times per year, or more often. It is a good idea to invest in any type of resource that can help you to remove the data on your report that is inaccurate or that should not be there. That way, you can see a boost in your credit score and see that more lenders are willing to provide you with loans that are affordable. You do have options to consider here. Too many inquiries could hurt your credit score long term.

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Author of the article is associated with Credit Umbrella, the company providing excellent credit repair software solutions to individuals and businesses.