Question:
Dear Steve,
Mistakingly while researching refinancing my mortgage, getting a HELOC, refinancing my car lease payment. Because my credit is mediocre I truly was just looking, however, I inadvertently seem to have authorized credit report pulls. Now I have numerous hard inquiries approximately 18-20. None of those, not surprisingly, did not get me a new loan, at lower %.
What is the easies and best way to remove those hard inquiries?
Marci
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Answer:
Dear Marci,
The good news is that all such inquiries within a 14 day window will only count as one inquiry. There is no way to remove the inquiries you authorized, directly or indirectly, but they won’t really impact your credit unless you strung them out over a longer period of time.
The indirect inquiries are the ones that catch most people by surprise. For example, when you talk to someone about mortgage or car financing they generally have a collection of companies they can shop your loan out to. It will show up as multiple inquiries.
Your best option that has a little chance of success would be to contact each of the companies who ran the inquiry, that appear on your credit report, and ask if they can remove it.
When
