Can I have this inquiry removed from my credit report?

Question

Earlier this year I was thinking about buying Internet service from CenturyLink. I browsed their website and at one point I did add an Internet package to my "cart", but I never actually ordered it. I ended up leaving their site and decided not to get the Internet.

Recently I found out that CenturyLink made an inquiry into my credit report. I don't have much credit experience, so too many credit inquiries doesn't look good. I don't feel like CenturyLink had the right to look at my credit report when I didn't even buy anything from them. Do I have the right to contest this and try to get the inquiry taken off my credit report?

Answer 1

If you entered any information with them in order to get prices, you would be out of luck. Just like when you shop for car insurance, your credit score is used to determine your insurance rate. That would count as an inquiry.



Not all inquiries are created equal. Mortgage inquiries are often bundled together to count as one instead of the several rates that most home buyers obtain. There are soft inquiries and hard inquiries. Too many hard inquiries will hurt, but soft ones don't count at all. If you only have a couple of inquiries, I wouldn't lose sleep over it. And inquiries only stay on for 24 months.

Answer 2

No, you can't get it removed and it isn't worth the effort to even try. Hard inquiries age off your credit report in 2 years. By the end of the first year, they have no impact on your score.



As longs as you don't have multiple hard inquires within a short period, don't worry about an occasional hard inquiry.

Answer 3

Centurylink Credit Check

Answer 4

lesson learned never ever give your SSN to anyone unless you are ready to purchase. In fact giving it on the internet is even more foolish you have no idea who is on the other side. You are stuck with the inquiry. It dropped your score 3-5 points and stays for 2 years

Answer 5

no they cannot remove inquiries. They stay on for about a year.

Answer 6

This is a good question, and one that made me curious for a very long time.