Review hard-inquiry reporting and challenge information that is inaccurate, incomplete, or unverifiable.
Free ConsultationA hard inquiry is recorded when a lender pulls your credit after you apply, and it generally stays on your report for up to two years. A lender needs a permissible purpose to pull your report, so an inquiry you didn't authorize can be disputed. Premium Capital California is a credit management company that works your whole file with Three Pillars: challenge what doesn't belong, work what you already have, and add positive history.
Without these three pillars, credit repair does not work.
We compare inquiries with your application history and available records. Accurate inquiries are not promised for removal.
Give us at least 90 days, or your money back. No removals in 90 days, 100% of monthly payments back, no questions asked.
Generally up to two years. Most scoring models look at how recently and how often you've applied for credit.
No. An inquiry from an application you made is accurate. Only inquiries you didn't authorize, or that were pulled without a permissible purpose, should be disputed.
Usually not. Inquiries are one small part of your file, so we look at the whole profile, not just this one item.
Sources: Fair Credit Reporting Act, 15 U.S.C. §1681b (permissible purpose) and §1681i (disputes); CFPB, "What is a credit inquiry?"; Experian, "How to Remove Hard Inquiries From Your Credit Report."
These are unedited reviews from our Google Business Profile. Each one describes one client’s experience, not a typical result. Credit bureaus and creditors decide what stays on a report, so Premium Capital California doesn’t promise any score, removal or timeline.
Hard inquiries
A hard inquiry usually means a lender or creditor requested your credit file in connection with an application or similar request for credit. Soft pulls (pre-qualifications, account reviews) are different and are not the focus of this page.
Hard inquiries generally remain about two years on consumer reports (How It Works retention guidance). Unlike many tradelines, the pull event often did happen. The credit-management question is whether there was a permissible purpose and whether duplicate or unrecognized pulls should remain.
Premium Capital California is a credit management company. We pair inquiry analysis with monthly application coaching and positive history — because clearing inquiries alone rarely rebuilds a file.
Accuracy & authorization
The dispute angle is permissible purpose / authorization — not “this never happened” when you did apply.
Hard rule: we never coach anyone to falsely deny applying for credit they did apply for. Auto-dealer name variants on a report are often formatting differences, not separate events — we cluster thoughtfully.
Three Pillars applied
Challenge improper or unauthorized inquiries only where the facts support permissible-purpose issues.
Coach application behavior — rate-shopping windows, fewer shotgun dealer apps — using the accounts and goals you already have.
Inject positive trade lines so inquiry noise matters less over time; pillar 3 includes positive-history pathways tied to our law-firm partnership.
Without these three pillars, credit repair does not work.
Related: Late payments · How it works
FAQ
Trust & guarantee
Give us at least 90 days, or your money back.
No removals in 90 days, 100% of monthly payments back, no questions asked.
Free consultation — permissible purpose matters; no fake denials.
Or call (805) 800-8091 · Nationwide