![]() They are classified as voluntary because they stem from actions take on your behalf to obtain credit. ![]() This includes personal loans, student loans, auto loans, home loans, and credit cards. Hard credit inquiriesĪlso known as voluntary credit inquiries, hard credit inquiries are generated when you submit an application for a debt product. There are two types of inquiries that appear on your credit report. ![]() What are the different types of credit inquiries? That’s why it’s important to have unauthorized inquiries removed as your report should only reflect what is accurate. ![]() While inquiries don’t have a major impact on your credit score, damage could result if too many appear in a short window of time. Upon receipt, it is the credit bureaus duty to investigate your claim with the information provider and make a decision about whether it should remain or be deleted from your credit report. What is a credit inquiry removal letter?Ī credit inquiry removal letter is used to alert the credit bureaus of an unauthorized inquiry and request that it be removed. You can also use our credit inquiry removal letter template to get started. But what about credit inquiries that you didn’t authorize? Keep reading to learn how to have them removed. Credit inquiries won’t necessarily tank your credit score, but they can lower it by more than a few points if you’re not careful. ![]()
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