Free Guide

Hard inquiries you never authorised.

Every hard pull marks your file for two years and counts against you in the meantime. The ones you did not authorise do not have to stay.

Find every hard inquiry Across all three bureaus, including the ones you never saw.
Tell authorised from unauthorised Applying for one card and getting pulled by three lenders is common, and not always something you agreed to.
The challenge letters What to send, to whom, and what the bureau is required to do with it.
What removal is actually worth An honest read — inquiries are a small scoring factor, and this guide says so.

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Why it matters

They matter least of the things on your report, and they are the thing people are most often charged to remove. Do it yourself.

Most scoring models only weigh inquiries from the last year, though they stay visible for two.

Multiple auto or mortgage pulls in a short window typically count as one. Card applications do not work that way.

Questions

Will removing inquiries raise my score a lot?

Usually not much. Inquiries are a minor factor — this guide is honest about that rather than selling it as a fix.

Can I dispute inquiries I did authorise?

No. Challenging legitimate inquiries is not what this is for.

Is this free?

Yes.

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