What is a hard credit inquiry in Australia?

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.

How long do credit enquiries stay on your credit report?

An enquiry of this nature can stay on your report for up to two years.

How To Remove Credit Inquiries in Australia

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. A hard credit inquiry can lower your credit rating, making it more challenging to take out a future loan. Too many inquiries, even legitimate and innocuous, might negatively affect your score and suggest you’re a risk. Real Credit Repairers are here to discuss removing credit inquiries and we step you through credit repair in Australia.

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When Can You Remove Credit Enquiries?

When You 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.

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Why Real Credit Repairers?

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’ve built a reputation as one of Australia’s most trusted credit repair companies, and for good reason. Our clients trust us because we stand by our promise and if we can’t fix it by the agreed deadline, you won’t pay a cent. When you work with us, you can expect:

Transparent pricing No hidden fees, just honest, upfront communication.

Results based billing
With just a small non-refundable upfront fee, you only pay the removal fee if we’re successful

Fast turnaround
Most clients see improvements in 30 to 45 days

Expert support
Our experienced team handles everything on your behalf

Proven results
We’ve saved clients millions and helped them secure finance that once felt out of reach

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1800 953 563

FAQs about removing consumer credit enquiries

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.
An enquiry of this nature can stay on your report for up to two years.

Contact Us to Remove Enquiries from Your Credit Report

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 at Real Credit Repairers can help you fast. We deliver the knowledge, experience, and wisdom you need to achieve your credit goals.

Take the first step towards a blemish-free credit score by contacting Real Credit Repairers today. Fill out your details below and get connected with a pro, or simply start with a free credit report and consult first.

We’re an Australian-owned business, ready to help people just like you. Speak with our friendly team today.