Daniel Rosen walks through removing hard inquiries from your credit report. Focus on inquiries under 12 months old. Send a dispute letter to the bureaus saying you don't remember applying, then follow up if they don't remove it.
You can delete inquiries from your credit reports and then watch your credit score rise. Step 1 Identify the inquiries that you want to remove. Remember, soft inquiries don't impact your credit score at all, and hard inquiries only affect it for a short time. So you only need to dispute the hard inquiries that are less than 12 months old. Step 2 Send a round one dispute letter demanding that the inquiry be removed. Include in your Round one dispute letter a list of the items being disputed, the reason for the dispute, and the instructions for the credit bureaus. Simple explanations usually work best, like I don't remember applying with this creditor. Step 3 When the credit bureaus respond, celebrate or keep disputing. If the bureaus accept your dispute, they'll remove the inquiry from your credit reports. If they don't accept it, remember, just keep applying the pressure until you get the results you need.
