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Learn how to remove hard credit inquiries for your credit report by first filing disputes with the credit bureaus then with the creditors. Now, let’s look at how long do hard inquiries affect your credit score. They affect the credit score up to 6 to 9 months, however they stay on your credit file for 2 years. Now understanding how many points does your credit score drop when you apply for a loan. That depends on what type of loan your applying whether that be a mortgage, car, personal, or credit card. With each loan it could vary from 1 point up to 12 points. When you’re trying to remove hard inquiries from your credit file there are 2 thing you could say to have them removed but first I must tell you that if you’ve been approved for a account then I would not encourage you to have the hard inquiry removed. The reason for this is that you may create a dispute of identity theft and have the account closed down. However on the other hand if you had a hard inquiry added to your credit report from a collection company or a denial from a creditor you can easily have those inquiries disputed. The way you would do this is by writing letters to the credit bureaus stating that you did not give permission to pull your credit and that this is an invasion of your privacy. The other way to have the hard inquiries removed is by writing to the creditors and informing them that you were coerced or pressured into applying for the credit card after you informed their employee you would not qualify and they stated it would not affect your credit score.
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Learn, How to get your free credit score online? Learn, how to get your free creditkarma.com credit report online that shows you your equifax.com and Transunion.com credit reports, and why banks like US bank and navy federal credit union uses the same credit scoring system which is fico 08. Learn how to get your freecreditscore.com report from Experian.com and why banks like Bank of America uses it.
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