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Inquiry Removal
You can erase credit inquiries from your report with just a letter? Sounds too good to be true. Well, it's not! You may have heard of all those unending calls and letters asking for donations but this is different - you don't donate anything; the process starts by writing that special kind of request on paper in an official-looking envelope.
If you're dealing with problems like bankruptcy, foreclosure or unpaid bills and need to know how a credit card can affect your credit score, we'll help.
These are insignificant compared to other factors, but they're still important. They can affect a person's ability to borrow money or make payments on time if the number is low enough.
Inquiries can be your best friend or worst enemy. If you have a few too many, then it might not even matter how good of an individual person's credit score is: they will get denied for loans and other types of financial assistance due to the company being afraid that their money would be lost if this one customer defaults on payments. The simplest way to avoid inquiries from burdening you in the future is by checking up every so often on what type/number there are with regard to your report - but don't obsess over them.
The distinction between hard and soft questions lies in who asks for information, the reason they are asking, and how it is received.
In today's society, it is nearly impossible to get credit without a hard inquiry on your personal credit report. A creditor needs you express consent before they can access this information and with all the new technology at our disposal there are many other ways for them to find out about someone without going through an investigation process such as requesting their social security number or address from another company.
Soft pulls do not require your consent when pre-screening for eligibility or offers, but hard inquiries will.