Sample letter to remove credit inquiry and fix credit score             Click here to Print

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#Richard - Says,


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.


Your Signature ______________

Your Name ______________

#carol - Says,

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 and improve my credit score. That's why I think all of us should check our annual credit reports on a regular basis so that we can easily find out the credit inquiries.


#ParkAvenue - Says,

"Excellent letter."

It will definitely go into my files for future use. I hope this letter will help us to fix credit score.
I appreciate it. Thanks a bunch, Richard!!!

#Johnson12 - Says,

Can anybody in this forum tell me how to get credit inquiries removed from my credit report? If I remove credit inquiries from my credit report will it improve my credit score?
#CreditGrantor - Says,

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. So it's better for you to check your annual credit reports on a monthly basis to make sure about the hard inquiries.

#carol - Says,

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. If possible, try to remove this credit inquiry and fix credit score. - Says,

excellent i've seen yet.
#Laura - Says,

Yes this is one of the best even i have seen. I used it as well and improve my credit score . Smile
#sdchargers_63 - Says,

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? a 'pre-screened offer a 'hard' inquiry?
#CreditGrantor - Says,

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 annual credit reports.

#Laura - Says,

Pre-screened offers cannot be hard inquiries. They just do a soft inquiry to match criteria for their business purpose.
#candiceann2003 - Says,

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. It is very easy to remove credit inquiries from the credit report and fix credit score.
#carol - Says,

Superb Candiceann. You have some luck it seems Smile
#Laura - Says,

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?
#usestaubs - Says,

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