Only permissible-purpose inquiries are allowed
A hard inquiry requires your authorization or another permissible purpose under the FCRA. Dealership shotgunning your application to a dozen lenders, or a lender pulling all three bureaus without consent, creates removable inquiries.
How we remove them
- Identify inquiries you never authorized or do not recognize.
- Demand the bureau produce the permissible purpose and authorization on file.
- Escalate to the inquiring party directly with a removal demand.
Why it matters
Excess inquiries do not just cost points — underwriters manually decline files with heavy recent inquiry activity, especially in business credit tiers.
The Bottom Line
Clearing inquiries is often the fastest first win in a funding campaign.