Find the Inquiry Removal Plan Built for Your Exact Situation
Every credit report is different. Every situation is different. That's why we built three flat-fee plans based on your total inquiry count — so you only pay for what you actually need, and you get the same white-glove service regardless of which tier you're in.
100,437 Hard Inquiries Removed4.9 Stars — 312 Google Reviews
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What's Bringing You Here Today?
Select the situation that fits you best — we'll show you exactly where to start.
Not sure how many inquiries are on your report? Book a free consultation and we'll count them together
Choose the Plan That Fits Your Inquiry Count
The only difference between our plans is the volume of inquiries we dispute. The process, the expertise, the attention, and the guarantee are identical across every tier.
Inquiry count calculator
Total → Your Plan0
Problem
If you've had a single incident — one dealership visit, one online application that went further than you expected — you may be dealing with a concentrated cluster of unauthorized hard inquiries that dropped your score fast. You didn't apply for ten things. One action caused all of this. And that means it can be targeted and reversed just as specifically.
Starter Plan$199
Agitate
Every month those inquiries stay on your report, your score pays the price. And so does every application you submit in the meantime.
Solution
The Starter Plan disputes every unauthorized or excessive hard inquiry on your report across all three bureaus — for a single flat fee with no surprises.
1 to 10 total inquiries across all three bureaus
- Full credit report analysis — every removable inquiry identified across Experian, Equifax, and TransUnion
- Custom dispute letters built specifically for your inquiries — never templates
- Direct submission to all three bureaus — we handle every communication
- Dedicated specialist assigned to your file — one person, not a queue
- Post-deletion credit protection strategy — so your gains stay in place
- Final results summary — a complete record of everything removed and your score improvement
- Free consultation included — you see the plan before you spend anything
- 100% money-back guarantee if no inquiries are removed within 90 days
Best for: Someone who had a single dealership visit, one online credit application, or a small cluster of unauthorized inquiries they want resolved quickly and cleanly.
Start With the Starter Plan — $199Problem
If you've visited multiple dealerships, applied for credit in more than one place, or discovered that a single application triggered a flood of hard pulls across all three bureaus — your report is carrying a heavier load. You may have watched your score fall 60, 80, even 100 points from inquiries you never agreed to. Meanwhile, every lender you approach sees that inquiry count and either denies you outright or offers you terms that cost you thousands more over the life of the loan.
Standard Plan$299Most popular
Agitate
This isn't a small inconvenience. A credit score depressed by unauthorized inquiries is costing you in real dollars — on your interest rate, on your insurance, on whether you get approved at all for the home you've been working toward.
Solution
The Standard Plan is built for the most common situation we see: a moderate-to-significant inquiry problem that needs a thorough, multi-bureau approach using every federal law at our disposal.
11 to 30 total inquiries across all three bureaus
- Full credit report analysis — every removable inquiry identified across Experian, Equifax, and TransUnion
- Custom dispute letters built specifically for each inquiry — FCRA, FDCPA, FACTA, and Metro 2 applied precisely
- Direct submission to all three bureaus — we handle every communication, every follow-up
- Dedicated specialist assigned to your file — one person who knows your case
- Post-deletion credit protection strategy — personalized guidance for keeping your score clean
- Final results summary — complete record of every inquiry removed and your score improvement
- Free consultation included
- 100% money-back guarantee
Best for: Anyone whose credit report has been damaged by multiple dealership visits, repeated applications, or a moderate identity theft incident — and who is ready to move forward toward a home, a car, or financial approval they've been waiting on.
Start With the Standard Plan — $299Problem
If you're carrying 31 or more hard inquiries, your situation is serious — and it didn't happen by accident. You may be a victim of extensive identity theft, with someone else's applications scattered across your report for months or years. You may have spent time rate shopping, visiting dealerships, or applying broadly in a difficult financial window. Whatever the cause, the effect is the same: your score has been systematically pulled down, and lenders are seeing a report that doesn't reflect who you actually are.
Elite Plan$499
Agitate
With inquiry counts this high, every single application you submit digs the hole a little deeper. Every denial. Every "we'll need a larger down payment." Every rate offer that's three points higher than it should be. It adds up to tens of thousands of dollars over the lifetime of a loan — if you can even get approved.
Solution
The Elite Plan is our most comprehensive service — an aggressive, fully customized, all-three-bureau dispute campaign built specifically for clients who need the most thorough intervention we offer.
31 or more total inquiries across all three bureaus
- Full credit report analysis — every removable inquiry across all three bureaus identified and prioritized
- Custom dispute letters for every single inquiry — individually tailored, legally precise, built for maximum impact
- Direct submission to Experian, Equifax, and TransUnion — we manage every communication and every response
- Dedicated senior specialist assigned to your file — given the complexity, your case gets our most experienced attention
- Aggressive multi-law approach — FCRA, FDCPA, FACTA, and Metro 2 applied at every available angle
- Post-deletion credit protection strategy — extended guidance appropriate for the scope of your situation
- Final results summary — a thorough record of every inquiry removed and your total score improvement
- Free consultation included
- 100% money-back guarantee
Best for: Identity theft victims, clients who have visited multiple dealerships over an extended period, or anyone carrying a significant unauthorized inquiry burden that requires the most thorough and aggressive removal campaign we can mount.
Start With the Elite Plan — $499Can You Dispute Hard Inquiries Yourself? Yes. Here's the Honest Truth About Why Most People Hit a Wall.
You can file hard inquiry disputes on your own. The Federal Trade Commission provides tools, and nothing stops you from writing to the bureaus directly. We believe in being transparent about that.
Here's what typically happens: you send a dispute, and the bureau responds within 30 days. They either say the inquiry was "verified" — which sounds final but isn't — or they delete it. The challenge is that "verified" is not the same as "authorized." Bureaus verify that the pull happened. They do not verify that you gave permissible purpose. That legal distinction is where most self-filers give up, and where we begin.
The other reality is the knowledge gap. Knowing which specific provision of the FCRA applies to a dealership's shotgun credit pull is different from knowing which provision of the FDCPA applies to a debt collector pulling your report without permissible purpose. Applying Metro 2 compliance arguments requires knowing how furnishers are required to report and what happens when they don't follow the standard. These are not things you pick up in an afternoon of research — they are the only thing we have spent 11 years doing.
What you can do on your own:
- File a basic dispute with each bureau
- Request your free annual credit reports
- Flag an inquiry as potentially unauthorized
What we do that changes the outcome:
- Build legally precise, individualized dispute letters that bureaus cannot dismiss as boilerplate
- Apply the correct federal statute to each specific inquiry type
- Follow up strategically when a bureau responds with "verified" rather than accepting it as final
- Handle every communication so nothing falls through the cracks
- Move as fast as the law allows because we know your goals are on a timeline
If you have already tried on your own and hit a wall, that is the most common story we hear. It isn't a reflection on you — it's a reflection on how specialized this process actually is.
See exactly how our process worksChoose Your Bureau — Each One Has Its Own Dispute Process and Its Own Pitfalls
Equifax, Experian, and TransUnion handle hard inquiry disputes differently. Different mailing addresses. Different escalation paths. Different reasons disputes fail. Pick the bureau that's blocking you and get the bureau-specific playbook.
Bureau
Equifax
CFPB ordered Equifax to pay $15M in 2025 for improperly investigating disputes. A "verified" response from Equifax is not the end of the road — it's often where the actual escalation begins.
Equifax inquiry removalBureau
Experian
Experian's online disputes get auto-processed in days with boilerplate "verified" responses. Custom letters citing the right FCRA provisions trigger an actual reinvestigation — and that's where removal happens.
Experian inquiry removalBureau
TransUnion
Credit Karma's Direct Dispute tool sends real TransUnion disputes — and they almost always come back "verified." A 15 U.S.C. § 1681b permissible-purpose challenge is a different question entirely.
TransUnion inquiry removalMost clients have inquiries on more than one bureau. We dispute all three simultaneously — the bureau pages above are for visitors who came in with a specific bureau on their mind.
Not Sure Where You Fall? Let's Figure It Out Together. For Free.
If you do not know your inquiry count, have not pulled your reports recently, or are not sure whether your inquiries qualify for removal, that is exactly what the free consultation is for.
We review your reports with you, identify every inquiry that can be disputed, total them across all three bureaus, and tell you exactly which plan fits before you spend anything. No pressure. No obligation. Just complete information so you can make a confident decision.
Book Your Free Consultation NowYour Credit Score Doesn't Have to Stay Where It Is.
The inquiries pulling your number down have a legal path to removal. You have federal rights. We know exactly how to use them. And we offer a 100% money-back guarantee if we do not deliver results within 90 days, because we are that confident in what we do.