Remove Hard Inquiries From Your Credit Report
Speedy Credit Solutions — 13+ years of credit repair expertise • 1,300+ clients helped • 100% money-back guarantee
Hard inquiries appear on your credit report every time a lender pulls your credit during a loan or credit card application. While one inquiry may only drop your score by a few points, multiple hard pulls in a short period can add up — making lenders view you as a high-risk borrower. Our hard inquiry removal service disputes unauthorized, excessive, and erroneous inquiries to protect your score.
What Is a Hard Inquiry?
A hard inquiry (also called a hard pull) occurs when a financial institution reviews your credit report as part of a lending decision. Unlike soft inquiries (which don't affect your score), hard inquiries remain on your credit report for up to 2 years and can temporarily reduce your score. Under the Fair Credit Reporting Act, only authorized hard inquiries are legally permissible.
How We Remove Hard Inquiries
Our specialists review every hard inquiry on your report and challenge those that are:
- Made without your written permission (unauthorized hard pulls)
- The result of identity theft or fraudulent credit applications
- Duplicate inquiries from the same lender
- Associated with credit you never applied for
- Incorrectly attributed to your file due to mixed credit records
We submit formal disputes directly to Equifax, Experian, and TransUnion and follow up with the originating lenders when necessary. Each dispute is tracked and pursued until resolved.
Why Choose Speedy Credit Solutions?
- 13+ years of proven results in credit dispute and repair
- 1,300+ satisfied clients nationwide
- 100% money-back guarantee — if we don't improve your credit, you don't pay
- Deep expertise in FCRA dispute rights for unauthorized hard pulls
- Personalized strategy built around your unique credit profile
How Many Points Can Hard Inquiry Removal Add?
Each hard inquiry typically reduces your score by 3–10 points. Removing multiple unauthorized inquiries can add 20–50+ points, especially when combined with other credit repair actions. The impact is most significant when you have several recent hard pulls clustered together.
Frequently Asked Questions
Can all hard inquiries be removed?
Only unauthorized or erroneous hard inquiries can be legally disputed and removed. Inquiries you authorized as part of a legitimate credit application will remain for up to 2 years.
How long does hard inquiry removal take?
Most disputes are resolved within 30 days. Unauthorized inquiry removals are often among the fastest wins in credit repair.
Do hard inquiries from rate shopping count as one?
Yes — for mortgage, auto, and student loans, multiple inquiries within a 14–45 day window are typically treated as a single inquiry by credit scoring models. However, credit card inquiries do not receive this treatment.
Ready to Remove Hard Inquiries From Your Credit Report?
Get a free credit consultation today. We’ll identify unauthorized inquiries on your report and build a plan to dispute and remove them fast.
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Hard Inquiry Removal — Common Questions
Get answers before starting your credit repair journey.
Can hard inquiries be removed from my credit report?
Yes. Unauthorized or incorrectly reported hard inquiries can be disputed and removed. If a lender ran your credit without your permission, you have the right to challenge it under the Fair Credit Reporting Act.
How long do hard inquiries stay on a credit report?
Hard inquiries typically remain on your credit report for 2 years, but they usually only affect your credit score for about 12 months. Removing unauthorized ones can provide an immediate boost.
What is the difference between a hard and soft inquiry?
A hard inquiry occurs when a lender checks your credit for a loan or credit card application and can lower your score. A soft inquiry, such as a background check or personal credit check, does not affect your score.
How much do hard inquiries lower my credit score?
Each hard inquiry can lower your score by a few points. Multiple inquiries in a short period — especially if unauthorized — can have a compounding negative effect on your credit profile.
How do I get started?
Click the Get Started button on this page or visit our homepage to begin your free credit repair consultation with Speedy Credit Solutions.
