🚀 How to Remove Unauthorized Hard Inquiries from Experian (in 24 Hours)

🚀 How to Remove Unauthorized Hard Inquiries from Experian (in 24 Hours)

🚀 How to Remove Unauthorized Hard Inquiries from Experian (in 24 Hours)

Step by Step:

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.

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.

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.

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© 2025 Smart Money