Question 1

What is a hard inquiry?

Accepted Answer

A hard inquiry is recorded when a lender, dealership, landlord or other company pulls your credit file to make a decision about you. Unlike checking your own score, a hard inquiry is visible to other lenders who look at your report.

Question 2

How long do hard inquiries stay on my Experian report?

Accepted Answer

Hard inquiries generally remain visible on your Experian file for up to two years, even though their scoring effect usually fades much sooner.

Question 3

How much can inquiries affect my score?

Accepted Answer

A single inquiry usually costs a small number of points, but they stack. A file with many recent pulls can read as higher risk to a lender, which may affect a card, auto loan or mortgage decision. Every credit profile is different and no specific point change can be promised.

Question 4

Does disputing an inquiry hurt my credit?

Accepted Answer

Filing a dispute does not create a new hard inquiry and does not lower your score on its own. You have the right to dispute information you believe is inaccurate or unauthorized.

Question 5

Which credit bureau does this cover?

Accepted Answer

Experian only. Banks and lenders pull Experian very often, so we built one focused service around it. We do not work on Equifax or TransUnion.

Question 6

Which inquiries qualify?

Accepted Answer

Experian hard inquiries you believe you did not authorize, do not recognize, or that appear to have been reported in error or duplicated. Inquiries you authorized and that are reported accurately are not eligible, and accurate information cannot be removed from a credit file.

Question 7

How many inquiries are covered by the fee?

Accepted Answer

Every questionable Experian inquiry you identify in your submission is covered by the single $295 fee. There is no per-inquiry charge.

Question 8

When is my card actually charged?

Accepted Answer

Your card is authorized at checkout, not charged. The $295 is charged only after your Experian inquiry removal has been completed and at least one inquiry has been removed.

Question 9

Will I see a pending hold on my statement?

Accepted Answer

Yes. Your bank may show the authorization as a pending transaction. It is a hold, not a charge. If we do not complete the removal, the hold is released by your bank.

Question 10

Is this a monthly subscription?

Accepted Answer

No. It is a single $295 charge taken after your removal is complete. No recurring billing, no add-ons at checkout, no hidden fees.

Question 11

Can I cancel before I am charged?

Accepted Answer

Yes. If you have not submitted your documents, or if we have not begun preparing your request, contact us and we void the authorization so nothing is ever charged.

Question 12

Do you guarantee an inquiry will be removed?

Accepted Answer

No. ReadyVo™ does not guarantee removal, a specific credit score change, or approval for any loan or credit product. Individual results vary and the outcome is decided by Experian and the company that reported the inquiry. What we do guarantee is that you only pay for results: if nothing is removed from your Experian report, you are never charged.

Question 13

What happens if Experian keeps the inquiry?

Accepted Answer

You will see the outcome in your account. If Experian verifies an inquiry as accurate and authorized, it stays on your file. We will explain what was returned and what options remain. If nothing at all is removed, you are never charged.

Question 14

What types of hard inquiries may qualify for the 24-Hour Experian Inquiry Removal service?

Accepted Answer

Hard inquiries may qualify for review if they are unauthorized, erroneous, fraudulent, or unknown. Unauthorized means you did not authorize the inquiry. Erroneous means the inquiry appears to have been reported incorrectly or contains inaccurate information. Fraudulent means the inquiry resulted from identity theft or fraudulent activity. Unknown means you do not recognize the inquiry or have no knowledge of authorizing it. Each Experian credit report is reviewed individually to determine eligibility.

Question 15

What is a linked hard inquiry?

Accepted Answer

A linked hard inquiry is a hard inquiry that is connected to an actual account appearing on your Experian credit report, whether the account is open or closed. Example: you applied for a Capital One® credit card and your application was approved. Whether the account is still open or has since been closed, the original hard inquiry is considered linked because it resulted in an actual account. Linked hard inquiries generally do not qualify for the inquiry removal process.

Question 16

What is a not-linked hard inquiry?

Accepted Answer

A not-linked hard inquiry is a hard inquiry that is not connected to any account appearing on your Experian credit report. Example: you applied for a Capital One® credit card, but your application was declined. The hard inquiry appears on your credit report, but no account was opened. Because there is no account connected to the inquiry, it may qualify for the inquiry removal process, depending on the results of our review.

Question 17

Do auto loan and mortgage shopping inquiries qualify?

Accepted Answer

Generally, no. If you shopped with multiple lenders for an auto loan or mortgage and one of those inquiries resulted in an account being opened and reported on your Experian credit report, the related shopping inquiries are generally considered linked and do not qualify for the inquiry removal process.

Question 18

Will all of my hard inquiries be removed?

Accepted Answer

No. Not every hard inquiry qualifies for the inquiry removal process. Only hard inquiries that meet our eligibility criteria may qualify for review. Every Experian credit report is reviewed individually, and the number of eligible inquiries varies from person to person.

Question 19

How do I start?

Accepted Answer

Go to the secure checkout, enter your name, email and card, and confirm the authorization on the same page. Nothing is charged at that moment. We sign you in right away so you can upload your required documents on a single page. You can set a password any time from your account.

Question 20

What documents do I need?

Accepted Answer

Four items: your Experian credit report as a PDF downloaded directly from Experian.com, a government-issued photo ID, a recent utility bill showing your current address, and your Social Security number.

Question 21

Where does my credit report need to come from?

Accepted Answer

Your report must be a full Experian credit report downloaded directly from Experian.com. We cannot accept TransUnion, Equifax, Credit Karma, screenshots, or other third-party reports.

Question 22

Why do you need my Social Security number and ID?

Accepted Answer

Experian requires identity verification before acting on any request tied to your credit file. Your ID and address document confirm who you are, and your report shows the inquiries in question.

Question 23

Is my information secure?

Accepted Answer

Yes. Your Social Security number is entered through a masked field, documents are uploaded over an encrypted connection into private storage, and only our review team can open them. We never sell your data.

Question 24

When does the work begin?

Accepted Answer

As soon as your card authorization is approved and your four documents have been submitted and accepted by our review team.

Question 25

How fast is it filed?

Accepted Answer

Once your documents are approved, the removal takes 24 business hours.

Question 26

Can I track my inquiry removal?

Accepted Answer

Yes. Log in at any time to see exactly which stage you are in, from card authorization through completion.

Question 27

How will I receive updates?

Accepted Answer

Updates appear inside your account, and we email you whenever your status changes.

Question 28

What if you need more information from me?

Accepted Answer

You get a notification and a plain request inside your account explaining exactly what needs to be replaced or corrected.

Question 29

What happens if nothing gets removed?

Accepted Answer

You are never charged. If your request is filed and no inquiry is removed from your Experian report, we void or release the authorization. If at least one inquiry is removed, the service has been performed and the $295 is charged.

Question 30

Can I get a refund?

Accepted Answer

In most cases there is nothing to refund because you are only charged after a removal. If you were charged and believe something went wrong, contact us within 7 days and we will review your request individually. See our refund policy for full details.

Preguntas frecuentes

Consultas de crédito, explicadas

El servicio

Elegibilidad

Cómo comenzar

Su eliminación de consultas

Preguntas frecuentes

Consultas de crédito, explicadas

¿Qué es una consulta dura?

¿Cuánto tiempo permanecen las consultas de crédito en mi reporte de Experian?

¿Cuánto pueden afectar las consultas mi puntaje?

¿Disputar una consulta perjudica mi crédito?

El servicio

¿Qué buró de crédito cubre este servicio?

¿Qué consultas califican?

¿Cuántas consultas cubre la tarifa?

¿Cuándo se cobra realmente mi tarjeta?

¿Veré una retención pendiente en mi estado de cuenta?

¿Es esto una suscripción mensual?

¿Puedo cancelar antes de que me cobren?

¿Garantizan que una consulta será eliminada?

¿Qué sucede si Experian mantiene la consulta?

Elegibilidad

¿Qué tipos de consultas de crédito pueden calificar para el servicio de Eliminación de Consultas de Experian en 24 Horas?

¿Qué es una consulta de crédito vinculada?

¿Qué es una consulta de crédito no vinculada?

¿Califican las consultas por comparar préstamos de auto o hipotecas?

¿Se eliminarán todas mis consultas de crédito?

Cómo comenzar

¿Cómo comienzo?

¿Qué documentos necesito?

¿De dónde debe provenir mi reporte de crédito?

¿Por qué necesitan mi número de Seguro Social y mi identificación?

¿Está segura mi información?

¿Cuándo comienza el trabajo?

Su eliminación de consultas

¿Qué tan rápido se presenta?

¿Puedo dar seguimiento a la eliminación de mi consulta?

¿Cómo recibiré actualizaciones?

¿Qué pasa si necesitan más información mía?

¿Qué sucede si no se elimina nada?

¿Puedo obtener un reembolso?