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Removing Hard Inquiries from your credit history

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Publication date: 22.07.2025
Reading time: 5 minutes
Number of views: 17
Stage Term (days) Cost
  • 1
    Initial consultation and credit history analysis
    1 $484.00

    Specialist's Actions:

    Clarifying the circumstances of each inquiry: whether the client gave consent and in what context the personal data was provided.

    1. Preparation of written dispute letters for each questionable inquiry.
    2. Compilation of the document package:
    3. a copy of the client’s identification document,
    4. credit report pages highlighting the hard inquiries,
    5. supporting documents, explanations, confirmation letters (if available).
  • 2
    Evidence collection and documentation preparation
    3 $1,452.00

    Specialist's Actions:

    Clarifying the circumstances of each inquiry: whether the client gave consent and in what context personal data was provided.

    1. Preparation of written dispute letters for each questionable inquiry.
    2. Compiling a document package:
    3. a copy of the client’s ID,
    4. pages of the credit report with the hard inquiries highlighted,
    5. supporting documents, explanations, confirmation letters, if available.
  • 3
    Filing complaints with credit bureaus
    30 $1,452.00

    Specialist’s Actions:

    Sending official written disputes to each credit bureau:

    • online (via the websites of Equifax, Experian, TransUnion),
    • by mail (Certified Mail with return receipt).
    • Monitoring receipt and registration of the complaint.

    If necessary — submitting complaints simultaneously to the institutions that made the inquiries (e.g., banks or employers).

  • 4
    Response monitoring and support in case of refusal
    30 $2,541.00

    Specialist's Actions:

    • Monitoring the status of dispute reviews.
    • Analyzing responses from credit bureaus (successful removal or denial).
    • In case of denial — preparing a repeated dispute, requesting additional information, or initiating the complaint procedure through FTC/CFPB.
    • If necessary — legal requests to the initiators of the hard inquiries.
  • 5
    Providing recommendations for restoring credit rating
    2 $1,028.50

    Specialist's Actions:

    • Individual financial literacy counseling.
    • Recommendations regarding:
    • opening a secured credit card,
    • reducing credit utilization,
    • monitoring credit score (e.g., via Credit Karma).

    If necessary — development of a personal financial rehabilitation plan.

In general
66 $6,957.50

Removal of Hard Inquiries from U.S. Credit History — Protect Your Score and Financial Access


If your credit report contains inquiries you didn’t authorize or there are simply too many, it can seriously hinder your ability to get a loan, mortgage, or even rent a home. Removing hard inquiries is the process of cleaning your credit history from negative third-party checks. It’s a great option for those who want to boost their FICO score and take control of their financial future.

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Hard inquiries are official requests from banks, leasing companies, or employers that can lower your credit score.

 

 If you did not consent to these checks or didn’t receive any credit product as a result, these records can be disputed and removed. We help you do this legally and effectively.

Hard inquiries can be removed — and it opens financial opportunities


✅ Increase your credit score
✅ Improve your chances of getting loans, mortgages, auto financing
✅ Reduce the number of rejections from banks
✅ Remove illegal or erroneous inquiries
✅ Protect your data from fraudulent use
✅ Restore financial stability after difficult life events

Who qualifies for hard inquiry removal


— You found hard inquiries in your report that you didn’t authorize
— Your score dropped due to multiple credit checks
— You're preparing for a major credit application or visa process
— You've been a victim of identity theft or data misuse
— You want to restore your creditworthiness after income loss or injury

After submitting disputes to credit bureaus


After collecting the necessary evidence, we prepare legally grounded disputes to Equifax, Experian, and TransUnion demanding the removal of unauthorized or inaccurate hard inquiries. These are then reviewed within the legal timeframe — usually up to 30 days. We monitor every step and keep the client informed.

The sooner you act — the higher your chances of financial success and minimal losses.

How we help you


Our team specializes in financial and legal support for clients in the U.S.:

— Credit report analysis from all three bureaus
— Preparing disputes for illegal or inaccurate hard inquiries
— Drafting supporting documentation (letters, evidence, explanations)
— Monitoring bureau responses and resubmitting if necessary
— Consulting on score recovery and financial behavior
— Full support from issue detection to score improvement

Timeline and Cost


— Report review and dispute preparation: 1–5 days
— Bureau processing time: 30–45 days
— Single inquiry removal: from $50
— Full removal of 3–10 inquiries: $300–$1000
— Additional services: financial planning, secured card setup, consulting — upon request

Висновок

Start cleaning your credit history today

Hard inquiry removal is not just about numbers in your report — it’s about peace of mind. We’ll help you resolve the issue quickly, securely, and professionally. Contact us today and take the first step toward financial freedom. We work with clients from Ukraine, Georgia, Armenia, Kazakhstan, Moldova, and other countries. Your financial success is our mission.

 

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  • Have you found hard inquiries on your credit report that you didn't initiate?
  • Have hard inquiries affected your credit score or caused your credit to be denied?
  • Have you previously filed a complaint with the credit bureaus regarding illegal checks?
  • Do you have a copy of your credit report from Experian, Equifax, or TransUnion?
  • Do you want legal assistance in removing unauthorized hard inquiries?
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