A credit enquiry happens whenever a lender or company checks your credit report to see how trustworthy you are with borrowing. These credit enquiries can happen when you apply for a loan, a credit card, or even some utility service.
Two Types of Credit Enquiries:
Soft credit enquiries occur when you check your own credit or when a company conducts a background check without you applying for credit. Soft enquiries do not affect your credit score.
Hard credit enquiries occur when you apply for credit, like a loan or credit card. Each hard enquiry is recorded on your credit file, and too many in a short time can lower your credit score. Lenders may see multiple hard enquiries as a sign that you're taking on risk, which can make it harder to get new loans or better interest rates.
Only apply for credit when you really need it, and try to avoid multiple credit applications at once.
Clearing unnecessary credit enquiries is important for keeping a strong credit profile.
Even if you’re on top of your bills, excessive hard enquiries can lower your score and hold back your financial opportunities.
Each hard enquiry can chip away at your score, making it harder to qualify for new credit.
Lenders may interpret multiple enquiries as a red flag and turn down your applications.
Too many credit enquiries can mean higher rates or less favorable loan terms.
Removing unneeded enquiries can boost your score and improve your loan chances.
Your trusted partner in removing excessive credit enquiries.
At Australian Credit Savers, we pride ourselves on being Australia’s most trusted credit repair company. We help Aussies remove unnecessary or incorrect credit enquiries and restore their credit health.
Too many hard enquiries can drag down your score and limit your options.
But we make fixing it simple.
We’ve handled hundreds of cases and developed proven ways to dispute and clear harmful credit enquiries from credit reports. Our team of credit repair experts carefully navigate credit laws and negotiations to ensure that our clients receive the best possible outcome.
Our approaches actually make a difference.
We believe that credit repair should extend beyond just fixing issues. At Australian Credit Savers, we don’t just fix your credit; we guide you on managing it smarter, so you can feel confident about your financial choices.
Our senior credit repair experts will conduct a FREE credit report analysis to identify disputable credit enquiries on your file. We will then highlight what's limiting your credit score and how to fix it.
Our licensed credit repair experts will open a case to remove the invalid items on your credit report. We challenge errors at every level to help clean up your credit report.
Once the invalid listings are removed, we'll forward the resolution to the credit reporting bureaus so your credit file can be updated accordingly.
We work with partner loan brokers who can provide you with the best possible options for your desired loan.
You will only be charged for the portion of the service that has been completed.
Unauthorized credit applications or fraudulent accounts can show up on your report, impacting your credit score.
Clerical mistakes or mistaken identity can result in someone else's information appearing on your file.
✅ Proven Expertise
We know Australian credit regulations inside and out, giving us the know-how to handle disputes effectively.
✅ Tailored Solutions
No two cases are the same. We create a strategy just for you and your situation.
✅ Clear Communication
We keep you informed at every step, so you always know what’s happening with your case.
✅ Cost-Effective Services
Our services are competitively priced to make credit repair accessible to everyone in Australia.
Unnecessary credit enquiries shouldn't stand in your way. At Australian Credit Savers, we help you remove what's weighing down your credit report so you can move forward with confidence.
