Hard Inquiry Consulting Plan

This consulting plan is designed for individuals whose credit scores have been impacted by excessive or unnecessary hard inquiries. Whether from auto financing, apartment applications, or duplicate pulls, we help you address and challenge inquiries that may be hurting your score.

What’s Included:

• Certified inquiry dispute documentation prepared for Equifax, TransUnion, and Experian

• Up to 3 rounds of targeted inquiry dispute letters

• One 1:1 credit coaching call focused on protecting your profile from future inquiries

• A credit protection guide to support long-term score improvement

• Most clients begin seeing results in as little as 15–45 days

How It Works:

After onboarding, JoiCreditCo reviews your credit reports and identifies up to 30 hard inquiries that may be disputed under the Fair Credit Reporting Act (FCRA). Certified letters are sent to each bureau, and follow-up rounds are included to support the process.

📌 Important Note:

This plan is exclusively for hard inquiry consulting. It does not include disputes for collections, charge-offs, late payments, or public records.

✅ Requirement:

Clients must maintain active credit monitoring (e.g., IdentityIQ or SmartCredit) at $24.99/month for the duration of the program to ensure accurate tracking and dispute handling.

⚠️ Compliance Disclaimer:

JoiCreditCo provides educational credit consulting and FCRA-compliant support. While successful outcomes are common, we do not guarantee deletions or specific results. This is not legal or financial advice. All actions are taken in compliance with the Fair Credit Reporting Act, and results may vary based on individual credit profiles.