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.
Free Inquiry Deletion Guide cover

Instant access

Send me the guide

Free. The full walkthrough plus the letter templates.

No spam. Unsubscribe whenever you want.

Why it matters

Inquiries are the most oversold item in credit repair.

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

Two years on file, twelve months scored

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

Rate shopping is usually bundled

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

Questions

Before you start.

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.

Hard inquiries you never authorised.

Send me the guide

Free tools and guides

Everything else on the shelf.

All free, all yours. No course attached to any of them.

Lenders ListWho lends to newer businessesDispute TrackerNever miss a response windowInquiry DeletionChallenge unauthorised pullsRemove My InfoGet your data off the brokersUtilization CalcKnow your ratio before a lenderBusiness TradelinesPosted to Experian and SBFERent CalculatorWhat you can actually affordCar AffordabilityThe 20/4/10 rule, run properlyInvestment ReturnsWhat compounding really does
Accelerate OS — the credit, business and AI course, plus the community. Join →