Inquiry Removal


Did you know that each inquiry on your credit report can hurt your credit score by 2-10 points?


As you can already imagine – those points can be MAJOR when it is time to qualify for a home loan or car purchase.  It can mean the difference between a great affordable interest rate, and a high one.

We offer specialized Inquiry Removal Services that successfully assists clients with correcting or removing inquiries that contain inaccurate, questionable, and unverifiable information reported to the credit bureaus.

Although the credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate, mistakes or errors can and will occur and may affect your credit score.

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.

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.

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.

However, you must be careful not to inquire if you are not credit worthy since you will be further damaging your credit. You must also be careful to ensure that a lender (such as an auto dealership) only pulls your credit scores once when you apply for credit.

A good way to avoid too many inquires is to obtain a soft pull of your credit report and submit that credit report and credit score to the lending institution. The lending institution should be able to do a preliminary evaluation of your credit report to see if your credit profile is satisfactory before a hard inquiry is placed on your credit report.

We can help you get your score back up in record time.  


  1. Sign up with and order a tri-merged credit report.
  2. Count your credit inquiries on Experian and Transunion
  3. Submit your payment for the appropriate amount of disputes at
    (ie. 2 inquiries x 50 =$300)
  4. Email us at with your payment transaction id, the privacy guard login information, the last 4 digits of your social security number and a list of the inquiries that you wish to delete and which bureau you desire them deleted from.
  5. As soon as the payment goes through we will process your request. You will be able to see your credit inquiries removed online via your privacy guard monitoring subscription.



Please Note: We DO NOT remove credit inquiries that are attached to OPEN Business and/or Personal revolving and/or installment accounts.

If you opened a personal and/or business bank account and your bank ran your credit – this type of inquiry MUST stay on your credit report.  If you have recently asked for a credit limit increase to a credit card account, etc – this is also an example of an inquiry that MUST stay on your credit report.

Please note that credit inquiries generated through Auto, Mortgage Applications, Rental Applications, Employment, Denied credit application or closed accounts can be removed.


Credit inquiry removal on Experian:         $50 per inquiry (30-day turn time)

Credit inquiry removal on Transunion:    $50 per inquiry (30-day turn time)