You're not alone. While one hard inquiry may seem harmless, multiple or unauthorized inquiry can signal red flags to lenders and even drag down your credit score. At Credit Connect Solutions, we help individuals throughout Irvine, CA and beyond understand, manage, and dispute harmful or inaccurate hard inquiries that may be affecting their credit health.
Discover MoreIt (also called a “hard pull”) happens when a lender or service provider reviews your credit report to make a lending decision.
This typically occurs when you:
• Apply for a credit card or personal loan
• Finance or lease a car
• Apply for a mortgage
• Open a new utility or phone account
Unlike soft inquiries (which do not impact your score), hard inquiries can lower your credit score especially if several appear in a short period of time with our Credit Company in Irvine .
At Credit Connect Solutions, we combine local service with deep industry expertise to help you take control of your credit profile ethically, effectively, and transparently.
We use a clear, proven process to investigate and resolve hard inquiry issues with speed and accuracy:
We examine your reports from Experian, Equifax, and TransUnion to identify all hard inquiries flagging those that appear questionable or unauthorized.
If we find inquiries that violate your rights or were made without your consent, we file disputes directly with the bureaus and involved creditors to have them removed.
If the inquiries are tied to identity theft, we help you take the necessary steps to file official reports, protect your credit, and prevent further unauthorized activity.
We also educate you on how to manage future applications wisely, limit unnecessary credit pulls, and maintain a healthy score moving forward.
Not all hard inquiries are valid. Common concerns include:
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