What is a Hard Inquiry?

When a financial institution inquires on your credit, the causes an inquiry.

Consumers sometimes make the mistake of applying for several loans or credit accounts in a short period of time. Sadly, most consumers don’t know that multiple hard inquiries can affect your credit profile.

By How Many Points Can a Credit Score be Affected?

For some consumers, just one credit inquiry will take less than five points off their FICO Scores. Other factors depend on their credit lines and credit balances.

How do Hard Inquiries Affect Credit?

Inquiries can have a greater impact if you have few accounts or a short credit history. Large numbers of inquiries can mean greater risk to potential lenders.

Consumers with very limited credit history and profiles could see a drop of around 10-20 points simply by applying for credit.

Inquiries to which consumers did not apply for or gave permissible purpose to a potential lenders are inquiries that can be disputed.

How Can Credit Score Restore Help?

When items are inaccurately reported, the credit bureau can be contacted to remove these items.

If you feel you have inaccurate or unauthorized credit access in your file, please do not hesitate to reach out to us for help.

Contact Credit Score Restore for  inquiry removal.