I’m always looking for ways to improve my credit score and since I don’t have any negatives on my credit report like collections or bankruptcies I decided to look at getting some of my hard inquiries removed or recoded to soft inquiries.
I know it’s possible to dispute inquries but I don’t want to go that route since all the inquiries on my credit report are legitimate and made by me at one time or another. Inquiries are supposed to stay on your credit file for 2 years but lenders often only look at inquiries in the past 6 or 12 months.
One reason I have been denied credit recently is the amount of inquiries in the past 12 months. This is why I am taking a look at my inquiries to see if there is any way I can shift some of them.
The first inquiries I am going to attempt to remove are from Avis. I’ve been renting from Avis for some time and last year had quite a lot of rentals with them since I was without my own car for most of the year. One thing many people don’t realise about rental cars is that many rental companies will do a hard pull on your credit file when paying with a debit card.
I become a preferred member with Avis last year which apparently removes the need for them to run your credit every time you pay with a debit card. However, I still seem to have 4 hard pulls on my Equifax credit report from Avis.
So I got my wife to call Avis and ask if they would consider either removal or recoding of these. The lady she spoke to was very helpful and has already removed 3 of the 4 inquiries. If the 4th hasn’t gone in a few days we will call her back.
The credit score shown on my Equifax credit monitoring (although not a FICO score) has already gone from 644 to 652!