How To Remove Credit Inquiries in Australia
Michael Mendoza has helped me repair my credit file so that I am able to get approved for a home loan without jumping through hoops. He was in contact every step of the way and kept me updated on what was happening. Highly recommend this company.
- Samantha Ball
Every time you apply for a loan, it triggers a hard credit inquiry on your report, which is how the lender ascertains the level of risk in lending you the finances. However, did you know that a hard credit inquiry can lower your credit rating, making it more challenging to take out a future loan?
Worse still, someone else might be fraudulently trying to get a line of credit in your name. Too many inquiries, even legitimate and innocuous, might negatively affect your score and suggest you’re a risk.
So, what can you do? Here, we discuss removing credit inquiries and we step you through credit repair in Australia.
Our experts remove credit inquiries - call 1300 277 355
When you can and can’t dispute enquiries on a credit report
It is possible to remove credit enquiries in Australia, but not always.
You can make a dispute in the following circumstances:
The lender has opted out of the loan without your permission.
Someone fraudulently accesses your Australian Taxation File Number (TFN) or similar high-level personal information and uses it to obtain a loan under your name.
A credit card or loan you are unfamiliar with appears on your record.
A credit bureau requested your report in error.
You can prove that a credit investigation took place without your knowledge or permission.
You believe you were pressured into approving the credit pull.
Any of these circumstances could result in your successful bid to clear your credit score.
You might be surprised to learn that you cannot make a dispute in the following circumstances:
The loan application on your credit record is legal.
A mortgage broker shared your application with various lenders when you were exploring home loan options.
You sought some home repairs and the vendor used your details to authorise a credit check.
You knowingly applied for a loan, and the request appears on your credit report.
Any of these circumstances make it challenging to achieve a credit score fix.
No win, no charge! Let us do your credit wash - call 1300 277 355
Explore Our Other Real Credit Repair Services
At Real Credit Repair, we fix bad credit fast and effectively. We’ve helped many clients restore their credit scores, removing financial barriers. Explore our top services below:
Secure your financial future with Real Credit Repair. Call us today at 1300 277 355 or visit our Contact Us page to explore your options.
Why Real Credit Repairers for your credit inquiry removal
You can certainly attempt to remove credit enquiries on your own, but why go through the hassle and stress when our experts can do it for you?
We only charge fair rates if we succeed, so it’s a win-win for you.
Our expert credit restoration team immediately knows who to contact, what to communicate and how to go about things as quickly and effectively as possible.
We move quickly - in some circumstances, it might take us only a couple of weeks.
Five-star customer reviews.
Honesty, transparency and authenticity are the backbone of all we do.
Don’t get your loan rejected - call 1300 277 355 for the best credit inquiries removal service
It’s not easy to remove enquiries from a credit report, but we know how to navigate the system. Clear your credit enquiry history and get that loan you want without a problem - find out how our team of specialists can help you fast.
FAQs about removing consumer credit enquiries
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An inquiry happens when a lender checks your credit report to decide if they should lend you money. It's also called a hard credit check or credit application. They want to know if you're eligible, trustworthy, and if there's a risk in lending to you.
This is different from a soft credit check, which typically occurs when you enquire about your credit report. A soft enquiry does not raise any red flags.
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An enquiry of this nature can stay on your report for up to two years.