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Sample letter (Creditor): Removal of unauthorized inquiry

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Richard
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Richard

Joined: 27 Jun 2006
Richard's page
Posts: 110

4576 Magic Points

Subject: Sample letter (Creditor): Removal of unauthorized inquiry

Sat Jul 22, 2006 6:02 am

Hi,

We often notice unauthorized hard inquiries made by creditors listed in our credit report. These inquiries hampers our credit profile and cause problems in acquiring credit benefits. I have prepared a sample letter which you may use to request the creditor to remove the inquiry. Please make sure that you use certified mail instead of ordinary mail to get a prompt response.

Regards,
Richard

{Insert your full name}
{Insert your current address}
{Insert your current phone number}

RE: Unauthorized credit inquiry

Dear {Insert creditor's Name},

Kindly note that while checking my personal credit report which I acquired from {insert Credit bureau name}, I noticed an inquiry made by your organization.

The details of the inquiry are as follows:

Line number: {Insert line number}
Inquiry made on: {Insert inquiry date}
Inquiry made by: {Insert name of the company or the person making the inquiry}

Since I have not approved your organization or any person associated with to the best of my knowledge, you are not legally entitled to make the inquiry. Hence, I request you to contact the concerned credit bureau and the credit reporting agencies and remove the unauthorized hard inquiry with immediate effect as it violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. I also request you to remove my personal information from your records after removing the unauthorized inquiry from my credit profiles. Please send me a written confirmation that you have kept my requests.

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please be kind enough to forward me a copy of the same at my current address so that I may verify its validity.

I am using certified mail to ensure that you receive this letter and send me prompt response.

Thanking you in anticipation,

{Insert your full name}
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carol

Joined: 27 Jun 2006
carol's page
Posts: 288

8263 Magic Points

Wed Jul 26, 2006 11:49 am

Hi Richard,

Thanks so much for this sample letter. "Unauthorized inquiry" is pretty common to all of us. This letter will help us remove them from our reports.

Thanks,
~Carol

ParkAvenue
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Joined: 26 Mar 2007
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Posts: 47
Location: Florida

3900 Magic Points

Sat Mar 31, 2007 9:56 pm

"Excellent letter."

It will definitely go into my files for future use.
I appreciate it. Thanks a bunch, Richard!!!

Johnson
Guest

Subject: Unauthorized Inquiry from Collection agency

Sun Sep 23, 2007 8:32 am

A collection agency is making inquires into my credit. How can i prevent this?

CreditGrantor

Joined: 01 Sep 2007
CreditGrantor's page
Posts: 33

2569 Magic Points

Sun Sep 23, 2007 4:41 pm

If it is a legitimate debt they are collecting on, then it is a permissible purpose for them to pull your credit report. You really can't prevent it. Unless they are pulling your credit more frequently than would be justified in the normal course of business - then you may be able to consider it as harassment.

If you don't know who the collection agency is, you may want to draft a letter to them stating that you 1) noticed their inquiry, 2) you are not aware of any delinquent accounts you may have, and 3) demand them to furnish evidence that they are pulling your credit for the lawful collection of a debt that you rightly owe.

carol

Joined: 27 Jun 2006
carol's page
Posts: 288

8263 Magic Points

Tue Sep 25, 2007 8:17 am

If you have any contact number of this agency do call up and personally ask the reason for their inquiry. I think you might have a debt that has been sold to this agency. Please check Smile

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Carol

candiceann2003@yahoo.com
Guest

Subject: letter

Fri Oct 05, 2007 9:32 pm

excellent letter......best i've seen yet.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1408

34397 Magic Points

Sat Oct 06, 2007 5:53 am

Yes this is one of the best even i have seen. I used it as well. Smile

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Regards,
Laura.

sdchargers_63

Joined: 13 Aug 2007
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Posts: 732

386 Magic Points

Subject: debt

Sat Oct 06, 2007 9:19 am

Thanks..this will help me, too! I never knew there was such a letter. Now..I do have a question. If 'pre-screened' offers ( etc.) are inquiring on my credit report, can I use this letter? Or.....is a 'pre-screened offer a 'hard' inquiry?

CreditGrantor

Joined: 01 Sep 2007
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Posts: 33

2569 Magic Points

Sat Oct 06, 2007 4:37 pm

Pre-screened should not ever be a hard inquiry. In a pre-screened offer, the creditor has bought a list of consumers from the bureau who meet certain criteria -- so a soft iquiry shows up just because the bureau included your name in the list they sold.

If you act upon a pre-screened offer and fill out a credit application with the company, then they will go pull a hard inquiry so they can see what's actually on your credit report.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1408

34397 Magic Points

Mon Oct 08, 2007 5:17 am

Pre-screened offers cannot be hard inquiries. They just do a soft inquiry to match criteria for their business purpose.
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Regards,
Laura.

candiceann2003
Guest

Subject: unauthorized inquiry

Thu Nov 29, 2007 1:39 am

I am proud to say I have successfully removed 34 inquiries off my Transunion Report....But, the way I did it was to fax these letters directly to the Creditor rather than mail.......after about 2 months they were all removed. I faxed rather than Certified Mail......that was a massive savings....not sure how much Certified Mail is....but it also saved me a lot of trips to the Post Office.

carol

Joined: 27 Jun 2006
carol's page
Posts: 288

8263 Magic Points

Thu Nov 29, 2007 9:29 am

Superb Candiceann. You have some luck it seems Smile

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Carol

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1408

34397 Magic Points

Fri Nov 30, 2007 5:38 am

That is really good news for us Candi. 34 inquiries in two months is a great accomplishment. Were they soft inquiries or hard ones as well?
_________________
Regards,
Laura.

usestaubs
Guest

Subject: Hi guys!

Thu Dec 13, 2007 1:24 pm

I’d prefer reading in my native language, because my knowledge of your languange is no so well. But it was interesting!

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