Sample Inquiry Removal Letters

Sample Inquiry Removal Letters

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Did you know that you can remove hard inquiries from your credit report and increase your credit score? To understand how to make this works, you need to understand the difference between a hard inquiry and a soft inquiry.

A hard inquiry, or a "hard pull," results from applying for a new line of credit, such as a mortgage, vehicle, credit card, or personal loan. It indicates that a lender has inquired about viewing your credit profile to decide how much risk you are as a borrower. Hard inquiries are placed on your credit report and lower your credit score by 2 to 5 points per inquiry.

A soft inquiry, also known as a soft pull or soft credit check, occurs when you authorize someone like a possible employer to check your credit report. They can also happen when an organization such as a credit card lender or mortgage company checks your credit to preapprove you for an loan.