Robert Garcia walked into a car dealership with perfect credit. He made one thing clear before they ran anything: do not shop my application around. They did it anyway. Within days, his credit report was flooded with hard inquiries from lenders he had never spoken to, never contacted, and never agreed to give access to his financial history. His score — a score he had spent years building carefully — dropped over 100 points. Not from missed payments. Not from debt. From a single afternoon at a dealership that ignored a direct request.
What made it worse was knowing exactly what was happening and still feeling completely powerless to fix it. Robert had spent years working as a senior credit analyst and in the disputes department of a major financial institution. He understood the Fair Credit Reporting Act. He understood permissible purpose. He understood that what the dealership had done — what they do to thousands of consumers every single day — was legally challengeable. He also understood that almost nobody knew that. And almost nobody was doing anything about it in a serious, specialized, legally precise way.
So in 2015, he started Inquiry Removal. Not a generalist credit repair company. Not another subscription service that keeps clients paying indefinitely. A single-focus operation built around one outcome: removing hard inquiries from credit reports using every federal law available, as fast as legally possible, for a flat fee that disappears the moment the work is done. He built the process from inside the industry — from the disputes desk, not from a marketing office — which means every letter, every strategy, and every escalation path came from someone who has seen how bureaus actually respond, not just how they claim to.
Nearly eleven years and 100,437 deleted inquiries later, the mission is exactly the same. Most of the clients who find Inquiry Removal are people Robert recognizes immediately — not because of their paperwork, but because of their story. They went to a dealership. They applied somewhere online. Their information was stolen. They had no idea what was about to happen to their credit, and now they're being denied for the home or car or financial opportunity they've worked years toward. He built this company for them. And it's still the only thing this company does.
One honest thing worth saying upfront: we don't have a fancy client portal or a corporate office. We operate lean, online, and direct — which is exactly what keeps our overhead low, our focus sharp, and our clients' flat fees as affordable as they are. You get a real specialist, not a building full of overhead passed on to you in a monthly bill.
