These use soft inquiries to determine whether or not you qualify without damaging your score this way, you can choose whether or not to accept the offer without affecting your credit standing.įinally, look into using credit monitoring services they'll notify you of any unauthorized access to your report, helping spot potential fraud and keep your credit profile secure. First off, try to limit how many applications you submit - only apply for credit when it's truly necessary and make sure you meet all the eligibility criteria in order to avoid getting rejected with a hard inquiry on your report.Īlternatively, opt for pre-qualified credit offers. If you want to keep credit inquiries to a minimum, there are a few things you can do.
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How to Avoid Credit InquiriesĬredit inquiries are an unavoidable part of the lending process, but too many can really hurt your credit score. It's best to try and avoid these situations in order to protect both your finances and your credit score. Multiple hard inquiries within a short period may raise alarms with potential lenders, as they could signify that you are a riskier borrower. On the flip side, a soft inquiry won't affect your score and won't be visible to anyone other than yourself - this type of inquiry is triggered when you check your own credit report or a creditor looks into it before pre-approving an offer. A hard inquiry can affect your credit score and remain on your report for up to two years, so you should only request credit when you really need it and space out applications to avoid any negative consequences. Understanding Credit InquiriesĮvery time you apply for credit, it's important to be mindful of the type of inquiry being conducted. This process provides clear instructions and will help increase your chances of getting the inquiry removed from your credit report. If the company doesn't respond to your requests, you can submit a dispute to the credit bureaus under the Fair Credit Reporting Act. your report was accessed without your consent.there were more inquiries made than you expected.you were coerced into granting permission for the inquiry.
Be sure to provide a valid reason why they should remove it - this could be that: Are you looking to remove an inquiry from your credit report? If so, you'll need to get in touch with the credit department of the company responsible for the inquiry.
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