Too Many Hard Inquiries? Let's Clean Them Up.
Every application leaves a hard inquiry on your report. A long list can lower your score and make lenders think you are desperate for credit. We dispute inquiries you never authorized on all three bureaus.
Why Hard Inquiries Matter
A hard inquiry is recorded when a lender pulls your credit for an application. One or two are normal. A cluster of them, especially before a mortgage or auto loan, can drop your score and raise questions with underwriters.
Hard inquiries stay on your report for two years, but most scoring models only count them for the first 12 months. When you rate shop for a mortgage, auto loan, or student loan within a short window, scoring models treat those pulls as one inquiry.
Inquiries We Can Dispute
You have the right to dispute any inquiry you did not authorize. Here is what we look for:
- Applications you never made
- Dealerships that sent your application to extra lenders
- Duplicate inquiries from the same lender on the same day
- Inquiries tied to identity theft or fraud
- Inquiries from companies you never contacted
- Inquiries older than two years still showing
How We Handle It
Here is how our Hard Inquiry Removal service works:
Full 3-Bureau Review
We pull your Equifax, Experian, and TransUnion reports and list every hard inquiry with its date and creditor.
Targeted Disputes
We dispute unauthorized, duplicate, and unverifiable inquiries with the bureaus and the creditors, using your rights under the FCRA.
Track and Follow Up
We track every response and keep you updated until each dispute is resolved.
Hard Inquiry Removal: Common Questions
Can every hard inquiry be removed?
No. If you applied for the credit, the inquiry is generally accurate and can legally stay. We dispute inquiries you did not authorize, duplicates, and inquiries that cannot be verified. Removal is not guaranteed.
How much does Hard Inquiry Removal cost?
Hard Inquiry Removal is a $350 standalone service. If you are joining one of our programs, ask about inquiry help on your free review. We never charge per deletion.
Do soft inquiries hurt my score?
No. Soft inquiries, like checking your own credit or preapproval offers, do not affect your score and are only visible to you.
Should I stop applying for credit during the process?
Yes, if you can. New applications add new inquiries. If you need a mortgage or auto loan soon, talk with us first so we can plan the timing.
How long does it take?
Each round of disputes usually takes about 30 days per bureau. Our FASTRAK program delivers results in as little as 7 to 21 days. Our Monthly Plan typically runs 3 to 9 months. Individual results vary.
Find out which inquiries can be challenged.
We will list every inquiry on all three reports and tell you straight what we see.
Individual results vary. Past results do not guarantee future outcomes. Wise Consulting Enterprise disputes information that is inaccurate, incomplete, outdated, or unverifiable. We do not remove accurate, verified information or guarantee specific results.