Hi,
We often notice unauthorized hard inquiries made by creditors listed in our credit report. These inquiries hamper our credit profile and cause problems in acquiring credit benefits. I have prepared a sample letter that you may use to ask the creditor to remove the inquiry and it will also help you to know how to get credit inquiries removed. Please make sure that you use fax or certified mail instead of ordinary mail in order to get a prompt response.
Your Name __________
Your Address __________
Your Phone # __________
Creditor's Name _____________
Creditor's Address ____________
Date ___________
Dear Sir or Madam,
RE: Unauthorized credit inquiry
While checking my personal credit report, which I acquired from [insert Credit bureau name], I notice an inquiry made by your organization.
Since I have not, to the best of my knowledge, authorized anyone employed by your organization to make an inquiry, you are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests.
If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Sincerely,
Your Signature ______________
Your Name ______________
letters of delete
can anyone tell me how long hard inquiries stay on your credit report and how to get authorized inquiries removed?
Inquiry Removal
Do i need to apply my social ?
removing hard inquiries
So how do you go about getting the inquiries removed if you were looking for a car and was unaware that the car place would hit so many banks?
Remove old inquiries
Do you have a sample letter where I could write each credit bureau to remove older credit inquiries
Contact Info
Where do I get the contact info for the creditors? My credit report only shows a phone number to contact them
Credit Inquiries
candiceann2003 Did you use the letter above
Inquiry Letter of Removal
Thanks for the sample letter of inquiry removal. I have for the past year forward letters of request, first class and certified letters of incorrect process.
I am truly thankful, for your knowledge in this matter.
multiple
what if you have multiple hard inquiries from the same creditor. Do you have to do each one separate with a different date or can you do them on 1 sheet.
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removing Inquiry
Can you get inquiry remove without name all of them
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I went from 590 to 720 in less than 7 months.
The three biggest factors on your Credit score are on time payments, longest open credit history, and debt to credit ratio.
An excellent debt to credit ratio is under 10%. Having higher credit limits will make it easier to manage below 10% charges. If they offer you a limit increase, take it. It keeps your ratio low. Just don't go crazy like it's Black Friday sale.
Another thing, keep your hard credit inquires under 3 per year. Don't apply for 4 credit cards or loans at once. Experian will -4 points for every inquiry if your over 5 inquires for a 2 year period. I know this from experience. My score dropped 89 points just for applying for new cards. Even though I got approved for 3 new cards and a personal bank loan my Credit score suffered. It takes a year for an inquiry to be ignored and 2 years to drop off your report. But on the other hand I was able to clear all my debt and my credit score was raised . My cousin talked me into using a Programmer to boost/repair Credit score .
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