If you see hard inquiries you didn’t approve, here’s how to get them removed fast.

✅ Step 1: Get Your Info Ready

Before calling, make sure you have:

• A copy of your credit report
  👉 Get it here

• A list of the inquiries you didn’t authorize

• Your personal info (SSN, date of birth, address, etc.)

📞 Step 2: Call Experian’s Fraud Department

• Number: (714) 830-7000
  (If the number changes, check Experian’s website.)
  
  

🗣️ Step 3: Tell Them What’s Going On

• Say you see unauthorized hard inquiries on your report.

• Let them know you did NOT give permission.

• Ask to have them removed under the Fair Credit Reporting Act (FCRA).

🧾 Step 4: Confirm Your Identity

They will ask for:

• Full name

• SSN

• Date of birth

• Current address

⚠️ Step 5: Skip the Extra Stuff

• They might ask if you want to add a fraud alert — say NO

• They might ask about a police report — say NO (not required)

🔍 Step 6: Know Which Inquiries You Can Remove

Can remove:
Example: You applied for Amex, got denied. It’s not linked to any open account = removable.

Can’t remove:
Example: You applied for a credit line increase on an open card = not removable.

Pro Tip:
Write down:
📅 Date of inquiry
🏦 Name of the company that pulled your credit

⏱️ Step 7: Check Back in 24 Hours

Log in the next day and check your Experian report.
Most of the time, the hard inquiries will be gone.