How to Remove a Hard Request (And Why You Might Want This) (2023)

Your credit score is affected by a number of factors, and loan inquiries are one of them. If you recently found a harsh query on your credit report, you may be wondering why that happened and—if you're worried about your score—how to remove that harsh query.

But loan requests happen for a variety of reasons — and not necessarily bad ones. They allow you to approve new loans or credit cards and also verify your owncredit-worthiness.

The most important thing to keep in mind is that not all loan requests are created equal and not all will negatively impact your credit score. In this article, we'll go over the different types of requests and how you can manage them to protect your credit score.

In this article

  • The difference between hard and soft requests
  • Why a tough request affects your credit score
  • How much does a hard request affect my score and when does it go away?
  • This will avoid too many hard requests
  • Some words of caution regarding credit repair companies
  • How to remove a hard request yourself
  • frequently asked Questions
  • The last word on difficult requests

The difference between hard and soft requests

There are two types of loan requests to be aware of: hard requests (or hard pulls) and soft requests (also called soft pulls). While soft requests don't negatively affect your credit score, a hard request can.

Agentle requestcan occur for a variety of reasons, including when you're checking your own credit score or when a bank is trying to pre-approve you for a credit card. Ahard requesthappens when a business (e.g. an auto loan company or a credit card company) requests a copy of your consumer report from one of the three credit reporting agencies in order to respond to your credit or loan application.

The main difference between the two types of requests is how they originated. If you've applied for a line of credit (and not just checked to see if you can be pre-approved), this company will do a rigorous investigation. If you have not applied for something, the related request is just a soft request.

So you don't have to worry that checking your credit score could affect it negatively, but you should be aware of itApplying for a car loanor a new credit card could.

Why a tough request affects your credit score

Difficult requests arise when you apply for a new loan, regardless of whether you are ultimately approved for it or not. This credit can take the form of a loan such as a mortgage or car loan; a credit card; or just a credit increase for an existing card. While tough requests are a necessary part of getting new credit approved, having too many in a short period of time can end up damaging your credit score.

(Video) How to Remove Hard Inquiry Within 24 Hours

Why? Because banks often see you as a greater risk if you've recently attempted to open several new lines of credit, which they determine based on your past tough requests. The only reason credit bureaus track hard pulls is to measure your behavior and intentions, which they can use to determine if you knowhow to manage your money. This makes it easier for the offices to know when and how often you apply for funding.

"If you have a lot of tough requests in a short period of time, it indicates that you have requested credit or insurance from many different financial service providers," said Robert L. Föehl, executive-in-residence for the Law and Ethics Department business from Ohio University. "Ultimately, this can be an indicator that you are in a sub-optimal financial situation."

How much does a hard request affect my score and when does it go away?

How long a harsh investigation holds onto your score and how much damage it can do depends on a few things. First off, those with relatively short credit histories tend to be more damaging to having multiple hard requests than those with longer ones. So if you're new to credit and only have a few accounts open, you should avoid making too many tough requests at once.

As far as these requests can affect your score, the generally agreed value is that tough requests can lower your credit score by amaximalof five points. However, according to FICO, a single hard request cannot lower your credit score at all, meaning that not every hard request automatically results in a five-point drop.

All inquiries, both hard and soft, remain on your credit report for two years from the date of the inquiry, but hard inquiries only affect your score for the first year. Even though both types of inquiries stay on your credit report for some time, you don't have to sweat the soft ones. Föehl says, "While hard requests generally affect your credit score and are included in a copy of your consumer report that is made available to others, soft requests do not affect your credit score and are not included." So although the soft requests could be there, no one will see them.

This will avoid too many hard requests

If all of this worries you the next time you need to apply for a credit card or apply for a loan, there are two important things to keep in mind.

1. Financial institutions cannot make harsh requests without your prior consent

This means you don't have to worry about whether or not there is actually a rigorous credit check based on a recent application you've made - the company you're applying to needs to get your permission before they can conduct the rigorous one Inquiry.

2. Credit bureaus recognize the importance of "shopping all around"

To get the best interest rates on a new loan or credit card, you often need to compare interest rates, terms, and other features. Because of this, FICO counts similar difficult requests as just one request within the same 45-day period, minimizing the negative impact on your FICO score. Different credit scoring models may offer different "deduplication windows" or time periods, allowing you to poke around without damaging your score with multiple tough requests. For example, VantageScore only allows a period of 14 days.

The best way to maintain your installment purchase credit is to submit all of your applications at once - within the 14- to 45-day buffer period provided by various credit scoring services. So even if you fill out a dozen car loan applications, they shouldn't affect your credit score too much as long as you fill them out at about the same time.

How to remove a tough request from your credit score

The thing about removing hard requests is that you can't just do it because you want to. Legitimate requests cannot be removed by you or anyone else - not even acredit repair company. The only requests that can be removed are inaccurate ones.If after looking at your credit report you think a hard query is inaccurate, you have a few ways to remove it, including

(Video) How to remove hard inquiries on Experian credit report | 24hr inquiry removal hack

  • Working with a credit repair company
  • Do the work yourself
  • Waiting for it to go away (which it will in two years).

Some words of caution regarding credit repair companies

Working with a credit repair company can save you time, but it's also a lot of money to pay for something you can do yourself.

You should also be aware that there are rogue companies out there that claim they can remove all requests from your account. By law, a legitimate credit repair company is not allowed to do this or even make these claims.

“Consumer reporting agencies strive for maximum accuracy when it comes to your consumer reporting. The legislature requires that,” explains Föhl. "They are unlikely to remove a legitimate hard request as removing it would make your consumer report less accurate. As such, hiring a credit repair company to remove a legitimate hard request from your consumer report is not a wise investment.”

Ultimately, the decision to work with a credit repair agency is a trade-off between time and money. If you can afford the hundreds or even thousands of dollars it can cost to work with a credit repair agency, and you're confident that the company can save you time by disputing inaccurate requests for you -- then it might be worth it. Otherwise, you should probably consider doing it yourself.

How to remove a hard request yourself

To remove a hard request yourself, you should do thiscontact the credit agency(ies) directlyDisplay of the incorrect queries. The good news is that the days of using registered mail for this are over as all three credit bureaus (Equifax, Experian and TransUnion) accept disputes online, with Equifax and Experian only accepting them online. If you really want to handwrite a letter to TransUnion you can, but your stamps are probably better kept for other things.

In order to have the inaccurate dispute removed as soon as possible,FICOrecommends contacting both the credit reporting agency and the organization that provided the information, as both are legally required to correct the error.

Here are some steps to follow when writing your dispute letter to credit bureaus and organizations:

  1. Start by listing what you think is inaccurate and list those errors if there is more than one.
  2. use onedispute submissionto create your letter.
  3. Remember to include a copy of your credit report, highlighting the errors that correspond to the points in your letter.
  4. Request the deletion or correction of the information.
  5. Last but not least, keep a copy of anything you send for your own records.

You can expect to hear back from the credit bureaus within 30 days. If your inquiry does not end positively (which sometimes happens), but you still believe that you have a valid claim, you can ask the credit bureau to include the explanation of your dispute in future credit reports. This will inform prospective lenders that you have taken the trouble to dispute false information and believe the hard research into your rating is inaccurate.

frequently asked Questions

What should you do if you don't see a hard query on your credit report?

If you don't see a hard inquiry on your credit report, carefully review the information, including the date of the inquiry.

Sometimes tough requests come up under a different name than you know the creditor. For example, if you apply for financing from a car dealership, it may appear under the name of the dealer's preferred lender rather than the name of the dealership. You may also get multiple tough requests when you make interest purchases and get multiple bids from different lenders.

If you haven't applied for new credit at all, or the request isn't from a company you did business with that's operating under a different name, it's possible that the tough request is a sign of identity theft. Here you can contact the creditor who made the request for more details, check your credit report for other signs of identity theft, and consider placing a credit freeze or fraud alert on your credit accounts.

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Can you object to tough requests online?

It is possible to challenge a hard request online if the hard request is not legitimate. If you have not submitted a credit application, you can contact any of the three major credit bureaus (Equifax, Experian, and TransUnion) to initiate the unauthorized hard inquiry or negative point dispute.

When can you expect a tough request on your credit report?

When you submit a loan application or apply for pre-approval for a loan, credit card issuers or other lenders typically perform a hard loan request. Once a card issuer or lender has requested your credit information, the harsh request can appear on your report and remain there for two years.

The last word on difficult requests

Cleaning up inaccurate hard requests can be time-consuming, but may be worth it if removing them significantly improves your credit score. Remember that credit inquiries (accurate or not) aren't the only things that affect your credit score and in some cases don't even have a majority vote.

Take a look for examplehow FICO determines credit scores, you'll find that other factors like credit utilization and payment history have a lot more impact on your score than a few points lost to a tough request.

All of this means you'll want to check your credit score frequently — not just for tough inquiries. If it seems low or wrong to you, take the time to figure out whyrequest a free credit reportand determine exactly what you need to improve.

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How do you respond to a question you don't want to answer? ›

Useful Expressions to Handle Uncomfortable Questions
  1. I'd rather not say.
  2. I'd prefer not to talk about that.
  3. I'd rather not get into [this topic] at this event.
  4. I'd prefer not to discuss this right now.
  5. I'm sorry, that's private.
  6. That's a little too personal.
  7. That topic is too difficult to discuss at this moment.

How would you deal with a difficult customer interview answer example? ›

“How would you deal with a difficult customer?” example answer. The last time I dealt with a difficult customer, they were having difficulty with [add the problem you had to solve]. I listened to their point of view and went the extra mile by [explain how you resolved the issue].

What to do when you don t know the answer to the difficult customer question? ›

Spend more time listening and asking

Instead, gently get to the root of the question. It might be that the customer is asking about a product or service you don't even offer. If that's the case, you can simply inform them that they can seek the answer from the appropriate authority.

How do you respond to a request for help? ›

It's not just important to be polite when making a request but it's also good to be polite when responding because it avoids miscommunication.
Instead of yes, you can say:
  1. Yes I can/Yes, sure thing.
  2. Yes of course!/Of course I will.
  3. Yes I can. ...
  4. Sure. ...
  5. Sure thing!
  6. I can certainly do that for you.
Dec 7, 2021

How do you deflect a nosy question? ›

10 assertive tips on dealing with nosy questions
  1. Go with your gut. ...
  2. Don't be rude back. ...
  3. Use “I” statements. ...
  4. Find out more if appropriate. ...
  5. Say how you feel about being asked or about giving the information. ...
  6. Depersonalise your answer. ...
  7. Express your feelings if you want to. ...
  8. Move them on.
Jan 9, 2013

Can you give me an example of how you would deal with a difficult customer over the phone? ›

Listening, staying calm, repeating information, avoiding the hold button, and making your caller happy are all essential when you have an angry caller on the line. Employing these techniques will not only allow you to help the customer but will also improve customer satisfaction and reduce handle times.

How do you handle stress and pressure? ›

2. Commit to a Positive Attitude
  1. Decide what you can do. Pinpoint which parts of the situation you have the power to change or influence for the better. ...
  2. Get support. Find someone to talk to about your situation. ...
  3. Care for yourself. Take especially good care of yourself when stress in your life is high.

Can you give an example of a time when you had to cope with a difficult situation? ›

Some examples of situations you can discuss include: A time when you dealt with a lot of customer complaints and how you rectified the issue. A time when you had to work long hours to meet a deadline. A time when you had to deal with a difficult colleague when working on a project.

How would you handle a difficult customer issue? ›

10 tips on how to deal with difficult customers
  1. Keep calm throughout the interaction. ...
  2. Engage in active listening. ...
  3. Practice empathy. ...
  4. Don't make promises you can't keep. ...
  5. Take a moment to breathe. ...
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  7. Pay close attention to tone and body language. ...
  8. Personalize each experience.
Jun 21, 2022

How do I deal with difficult question? ›

Communication Skills for Dealing with Difficult Questions
  1. Listen to the entire question. Don't start formulating your answer until the questioner has finished.
  2. Repeat or rephrase the question to the entire audience. Shorten the question and use more neutral language to remove hostility and emotion.
  3. Answer the question.

How do you convince someone to accept help? ›

But you can still be there for your friend; you might just need to take a different approach to the way you're supporting them.
  1. Be available. Continue to be supportive. ...
  2. Offer help. ...
  3. Become informed. ...
  4. Talk to someone yourself. ...
  5. Set boundaries. ...
  6. Don't force the issue or put pressure on them. ...
  7. Don't avoid them.

How do you respond to politely and professionally an email requesting information? ›

How to write a response email
  1. Respond quickly. ...
  2. Start with a greeting. ...
  3. Reply to questions or concerns in separate lines. ...
  4. Ask for confirmation of understanding. ...
  5. Include closing remarks and your signature.
Apr 13, 2021

How can I politely tell someone that I m waiting for their response? ›

7 alternatives to “I look forward to hearing from you”
  1. 1 Use a call-to-action. ...
  2. 2 I'm eager to receive your feedback. ...
  3. 3 I appreciate your quick response. ...
  4. 4 Always happy to hear from you. ...
  5. 5 Keep me informed . . . ...
  6. 6 I await your immediate response. ...
  7. 7 Write soon!
Sep 3, 2021

How do you gracefully deflect a question you don't want to answer? ›

Good ways to say anything but "No Comment" to questions you really don't want to answer:
  1. "I'm sorry but I'm not able to speak to that subject"
  2. "Thanks for asking but I'm not able to answer that question"
  3. "I'm sorry but that information is proprietary"
Jul 17, 2008

What makes a person Nosey? ›

A nosy person pokes their nose into other people's affairs. Do you know anyone who is always asking personal questions and loves to hear gossip? That person is nosy. Nosy people are a little too concerned with what other people are up to, and they tend to invade the privacy of others.

What is the most polite way of saying I called you but you didn t answer? ›

Thanks! "I tried calling you but there was no answer" is a hair more polite, since it doesn't "accuse" "you" of not answering.

What to say when someone says you don t understand? ›

When You Don't Understand Someone
  • I'm sorry, I didn't catch what you said. Could you repeat it (more slowly)?
  • I'm sorry, I didn't understand that? Would you mind repeating it?
  • I'm sorry, I didn't hear you clearly. ...
  • I'm sorry, what was that?
  • Could you say that again, please?
  • Could you repeat that, please?
  • I'm sorry?
Mar 11, 2020

How would you handle a difficult customer or an angry customer? ›

How to deal with angry customers: 17 steps
  1. Stay calm.
  2. Be an active listener.
  3. Personalize the interaction.
  4. Acknowledge your customer's emotions.
  5. Use positive language.
  6. Restate what they told you.
  7. Build trust.
  8. Thank them.
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How do you handle a situation if a customer treats you badly? ›

Here are five strategies for dealing with rude customers:
  1. Stay Calm, Don't React. The first thing to do is to remain calm and not respond in kind. ...
  2. Don't Take It Personally. Why are some customers so rude? ...
  3. Listen and, If Appropriate, Apologize. ...
  4. Stand Firm. ...
  5. Solve the Problem.

How would you handle a difficult customer or a stressful situation on a phone call? ›

10 Steps to Handle a Tough Customer on the Phone
  1. Listen. ...
  2. Provide validation to the caller. ...
  3. Don't react emotionally. ...
  4. Train yourself to be pleasant. ...
  5. Find the root of the problem. ...
  6. Offer multiple solutions. ...
  7. Avoid putting a caller back on hold. ...
  8. Be honest, avoid vague terms, and don't make promises you can't keep.

How do I stay calm in stressful situations? ›

Here are a few tips for staying calm in stressful situations.
  1. Breathe. Take a few slow, deep breaths. ...
  2. Count to 10. In the time it takes you to do so, you may be able to look at your situation with a fresh pair of eyes.
  3. Take a walk. ...
  4. Try a 3-Minute Meditation. ...
  5. Practice gratitude. ...
  6. Eat well. ...
  7. Get moving. ...
  8. Let it go.

How would you describe your work style? ›

Interviewers want to know what soft skills you can bring to the team. You might want to highlight your interpersonal skills such as communication, emotional intelligence, empathy, leadership, motivation, or dependability. Or you could highlight time management, perseverance, problem solving, or work ethic.

Can you tell me about a difficult work situation example? ›

Difficult Situations in the Workplace

Not getting on with a colleague. Not feeling able to speak up about something you feel is wrong. Your team doesn't pull together. Dealing with a disciplinary issue.

How do you deal with difficult tasks at work? ›

5 Foolproof Ways to Get Through a Tough Task
  1. Set the small stuff aside. ...
  2. Break the job into chunks. ...
  3. Use blocks of time. ...
  4. Start with a bad first draft. ...
  5. Reward yourself when you're done.
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How do we handle a difficult client do we respond to their request or just try to placate them with empty promises? ›

Difficult Customers: The Right Way to Handle Them Like a Pro
  1. Focus on facts instead of feelings.
  2. Embrace the anger, but stay calm.
  3. Offer options to solve the problem.
  4. Be sincere with your response.
  5. Don't switch customer service channels.
  6. Lean on your support team.
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What are eight tips in handling difficult customers? ›

Let's take a look at eight must-know strategies for dealing with difficult customers:
  1. Set Clear Expectations. ...
  2. Have Firm Boundaries. ...
  3. Commit To Professionalism. ...
  4. Document Everything. ...
  5. Own Up To Your Mistakes. ...
  6. Don't Take The Blame When It's Not Warranted. ...
  7. Escalate The Situation When Necessary.

What is the first step to deal with difficult questions? ›

However, there are several tactics which can help with dealing with tricky questions smoothly:
  • Fill silence/ Think out loud.
  • Show how unsure your answer is.
  • Politely not answer the question.

How do you improve difficulty asking questions? ›

7 Tips to lose the fear of asking your teams
  1. Focus on your objective. ...
  2. Think about the benefits you will get. ...
  3. Don't wait for things to go wrong. ...
  4. Leave a space for the team to contribute. ...
  5. Use the right communication channel. ...
  6. Use the correct questions. ...
  7. What if you don't ask?

How do you confront a difficult person? ›

2. Don't get defensive, stay calm
  1. Prepare before the conversation. Make sure you don't initiate suddenly or when you're angry with the person. ...
  2. Control your environment. ...
  3. Stay focused on the objective. ...
  4. Show support. ...
  5. Be as fair as possible. ...
  6. Know when to back out.
Apr 27, 2022

How do you convince someone to give you what you want? ›

Here are seven persuasive tactics you can use to get what you want from anyone.
  1. Be confident. ...
  2. Introduce a logical argument. ...
  3. Make it seem beneficial to the other party. ...
  4. Choose your words carefully. ...
  5. Use flattery. ...
  6. Be patient, but persistent.
Jul 16, 2016

What is the best way to convince someone to agree with you? ›

How To Get People To Agree With You
  1. Be Clear. ...
  2. Ask Questions And Listen. ...
  3. Establish The Foundation For An Agreement. ...
  4. Use Inclusive Words. ...
  5. Pay Attention To Your Timing. ...
  6. Be Open To Changing Your Own Mind.
Nov 16, 2015

How do you politely convince someone? ›

Tips for convincing others
  1. Be confident and assertive.
  2. Show empathy by telling your audience you understand their viewpoint.
  3. Engage politely by using an even tone of voice, remaining calm and actively listening.
  4. Speak precisely to help your audience understand your idea.
  5. Be patient but persistent.
May 3, 2021

How do you respond to an email asking for clarification? ›

Thank you for your request for clarification. I've processed your email and provided answers below. Please review the information I have provided and check that it's everything you need. Please don't hesitate to contact me if you have any other questions or require additional information.

How do you politely urge to reply to an email? ›

How do you politely remind someone to reply your email?
  1. Reply in the same email thread. ...
  2. Draft a sweet and simple message with a greeting. ...
  3. Use polite words and cover all pointers of your message. ...
  4. Use proper formatting and grammar. ...
  5. Make an action-driven ending in your email. ...
  6. Use an email tracking tool.
Aug 31, 2020

How do you professionally tell someone to wait? ›

Ways of telling or asking someone to wait - thesaurus
  1. hold on. phrasal verb. ...
  2. just wait until/till. phrase. ...
  3. hang on/hold on a minute. phrase. ...
  4. wait a minute/second. phrase. ...
  5. just a minute/moment/second. phrase. ...
  6. let me see/think. phrase. ...
  7. bear with me/us. phrasal verb. ...
  8. something will have to wait. phrase.

Is it rude to say I hope to hear from you soon? ›

Looking forward to hearing from you is a common expression in email communication and other correspondence. It's used to end an email by encouraging the addressee to reply sometime soon. There's nothing wrong with using this expression—it's clear, correct, and friendly in tone without being overly informal.

How do you say I'm waiting for you in different ways? ›

Synonyms of waiting (for)
  1. banking on.
  2. counting (on or upon)
  3. relying (on or upon)
  4. depending (on or upon)
  5. watching (for)
  6. hoping (for)
  7. expecting.
  8. awaiting.

How would you handle a difficult rude customer? ›

In person you need to consider eye contact, body language, and your personal space too.
  1. Tips for Dealing with Rude and Upset Customers. ...
  2. Be Prepared. ...
  3. Let Them Talk. ...
  4. Repeat the Information. ...
  5. Remain Calm. ...
  6. Trust Them. ...
  7. Sincerely Apologize. ...
  8. Solve the Issue.

How would you personally handle an irate or difficult customer? ›

How to Deal with Angry Customers
  1. Remain calm.
  2. Practice active listening.
  3. Repeat back what your customers say.
  4. Thank them for bringing the issue to your attention.
  5. Explain the steps you'll take to solve the problem.
  6. Set a time to follow up with them, if needed.
  7. Be sincere.
  8. Highlight the case's priority.
Dec 15, 2021

How do you deal with rude people? ›

You can confront an individual without being mean. Let them know that they're being rude and how it makes you feel. It's possible the person doesn't realize the impact of their behavior. Give them a chance to apologize and be more polite.

How do you deal with ungrateful clients? ›

Today we're focusing on unappreciative clients.
Here are four top tips for turning the situation around...
  1. Communicate your needs. ...
  2. Outline all eventualities. ...
  3. Be very clear. ...
  4. Know when to charge more.
Dec 9, 2014

How do you stay calm when angry? ›

When your temper flares, put relaxation skills to work. Practice deep-breathing exercises, imagine a relaxing scene, or repeat a calming word or phrase, such as "Take it easy." You might also listen to music, write in a journal or do a few yoga poses — whatever it takes to encourage relaxation.

What are the 6 steps of dealing with an angry customer? ›

Six Steps to Having Positive Outcomes with Angry Customers
  • Stay in Control of Your Emotions. The natural tendency when someone is venting at you is to adopt a defensive stance and start acting the same in return. ...
  • Acknowledge and Empathize. ...
  • Really Listen. ...
  • Apologize. ...
  • Solution Time. ...
  • Closeout and Learn.
Sep 15, 2019


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