A hard inquiry, or "hard pull," occurs when you apply for new credit, such as a credit card or loan. A creditor checks your credit file to assess your risk as a borrower. Hard inquiries appear on your credit report and can lower your credit score.

We use the Fair Credit Reporting Act (FCRA) to permanently remove unauthorized hard inquiries from your credit report. Each inquiry can lower your credit score by 5 points, and having six or more can make you ineligible for financing, even with a high score. Our service removes unauthorized inquiries from all three credit reporting agencies.

Inquiry removal with us takes 24 business hours for Experian. !4-21 Days for Transunion/Equifax

No, inquiries linked to an account cannot be removed. Only inquiries not linked to any account can be removed.

Linked Inquiry Example: If you have or had a Capital One account, the inquiry is linked to that account and cannot be removed.Not Linked Inquiry Example: If you applied for a Capital One account and were declined, the inquiry is not linked to any account and can be removed.