Do you have excessive credit inquiries on your credit report? Atlanta Credit Counseling can help you take control of your credit inquiries. We offer a variety of services that will help you remove any incorrect credit inquires on your report. This will help your credit score grow. We can help you remove soft and hard credit inquires on your report. We have a team of trained professionals that can help you take control of your credit. If you need help with credit inquires appearing on your credit report, don’t hesitate to give our team a call. We can help remove incorrect or improper credit inquiries today.
What are Credit Inquiries?
When a financial institution or other company requests your credit report. This will happen every time you attempt to open a line of credit. Applying for a new loan, mortgage and credit card will start with a credit inquiry. Inquires are categorized into hard and soft queries. Too many hard inquiries can cause your credit store to drop. It could indicate that you attempted and failed to acquire a loan. Credit companies will be wary of lending to anyone who has too many hard inquiries on their credit report. Atlanta Credit Counseling offers solutions that will help you remove hard inquiries.
Soft Credit Inquiries
Soft inquiries occur when a financial company uses your information for marketing purposes. Soft inquires help credit companies find potential buyers that meet certain characteristics. Luckily these won’t affect your credit report. Soft credit inquiries should never show on a credit report. Our team can help identify soft inquires and help you remove them from your report. While they do not affect your credit score, a clean report with minimal inquiries will look better than a report filled with improper inquiries showing on your report. If you have soft credit inquires on your report, don’t hesitate to give our team a call.
Hard Credit Inquiries
Hard credit inquiries are more damaging to a credit report. Every hard inquiry has the potential to lower a credit score. If you have a high number of hard inquires in a short period of time, it may indicate you are trying to acquire credit but failing. This will discourage any future lenders from giving you credit. A hard credit inquiry is created during the underwriting process. The hard inquiry provides a potential creditor full access to your credit report and will help them decide on lending to you or not. We can help you remove incorrect hard credit inquiries today.
Inquiry Repair Services.
Atlanta Credit Counseling provides credit inquiry repair services. Our team has relationships with most financial institutions and can use or credit experience to help your remove unwarranted hard credit inquiries. Too many hard credit inquiries will discourage potential lenders from loaning you money. You could be denied or be required to pay higher interest rates due to a poor credit score. If you need help understanding credit inquires on your report, give our customer service team a call today.