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 ____________
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 ______________