The cheapest, quickest, and easiest way to remove inquiries from your credit report

Any time you apply for credit, whether it's for a personal loan, a car loan, a mortgage, or anything else - someone is checking your credit report. And more often than not, this is in the form of a hard inquiry. These inquiries show up on your credit report for 2 years, and they will directly lower your credit score. Even worse, having too many inquiries within a six month period will result in you getting denied on applications for loans and credit cards, etc. Usually anything over six or more hard inquiries within a single six month period will result in you being denied for credit.

The entities that perform the credit inquiry (auto dealer, bank, employer, etc.) have you sign an application, which includes your consent to have your credit pulled (a hard inquiry). Each one of these inquiries can take off anywhere from 3 to 7 points off your credit score, which can add up. For example, if you have 10 inquiries within the last two years, you are potentially losing out on 70 points from your credit score.

Just imagine, if you had all of these inquiries removed then your score would skyrocket up by 70 points and you would suddenly get approved for loans and credit application that you were previously getting denied for. Even better, if you don't have any derogatory items such as collections or bankruptcies, then you will get approved by virtually any online automatic application processors.

YES! Most people don't know this, but most companies don't actually need your consent to pull your credit. However, they are SUPPOSED to have your consent, and if they don't - then they are violating a federal law called the Fair Credit Reporting Act (FCRA). As such, if a company has pulled your credit and does not have your consent, then the big three credit bureaus (Experian, Equifax, TransUnion) must, by law, remove those inquiries from your credit report.

The FCRA (federal law) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, Experian, and Equifax must remove these inquiries from your credit report.

Anyone can open a dispute online with the credit bureaus, except it's somewhat of a trick. The credit bureau will send an automated response that says you must dispute this directly with the creditor (the entity who pulled your credit). This is a lie! This is because the online tool doesn't allow you to actually request documentation, instead it forces you simply ask the bureau to check if their records are correct. So, here is the secret: You must send them a physical letter via certified mail requesting your authorization documents. If they cannot provide this for you within 30 days (and most of the time they can't), then they must remove the inquiry from your credit report.

Using DisputeBee, we make this process extremely simple for you. Unlike traditional "professional" credit repair companies who will gladly charge you $50 - $75 per inquiry to have them removed, you can sign up for DisputeBee and generate the same exact letters that the professionals use. You can take them to the post office yourself, and get the same exact results. And just like that, voila, you have just saved yourself potentially hundreds of dollars.

Using DisputeBee is simple. There is no complicated sign up process, and no need to call a salesperson for a consultation. We don't even need your phone number, so we won't harass you with annoying sales tactics. Here's how it works:

1. Sign up for DisputeBee
2. Import your credit report
3. Select which inquiries you want to dispute, and the correct dispute letters will automatically be generated
4. Print the letters out, and take them to the post office
5. Done!