How to remove hard inquiry report?

[Thaile]

I applied to Paypal credit and they did not allow me to have Paypal credit. After that, I applied credit at my bank. I just started to build credit. When I check my credit score, I found out that I have a hard inquiry that is paypal. I do not know why and Could everybody let me know how can I do to remove it? Thank you!

[DPCreations]

You applied for PayPal Credit so PayPal needs to check out your credit store and history.  You can't remove this legitimate inquiry.  When trying to build credit score never apply for any credit unless you quiite sure your credit is extremely good.

To build good score make sure your debt is no more than you can afford and never be late for any payments anywhere.

When your creditwortiness is good enough PayPal will offer PayPal Credit when all factors come together for good.   There is no need to apply separately.

[Thaile]

Thank for you help so much! while I waiting to solve hard inquiry, my credit score can go up or just 0 point?

[DPCreations]

Your credit score depends on MANY factors, credit enquires are a very small part of the scoore.  Your total available credit is important; the amount of credit you used is important.  Your debt to available credit should be real low.  You should have absolutely NO reports on late payments for years.  You should have a stable address and a stable job with good income.  Paying off credit cards each month is good.

Just make sure you never use more credit than you can comfortable afford to pay, even with short term unemployemnt.

Good credit is something you earn over time; you can loose it very quickly.

You can get free credit scores.

Discover Card provides current credit score every month.

Set you goal to get your credit score over 800.