Sample letter to remove credit inquiry and fix credit score

Submitted by Richard on Sat, 07/22/2006 - 06:02
Forums

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 ______________

pampermeprett (not verified)

can anyone tell me how long hard inquiries stay on your credit report and how to get authorized inquiries removed?

Tue, 06/30/2015 - 01:25 Permalink
dbrown (not verified)

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?

Fri, 04/22/2016 - 14:00 Permalink
Shawty (not verified)

Do you have a sample letter where I could write each credit bureau to remove older credit inquiries

Tue, 05/31/2016 - 21:56 Permalink
dsjan1999 (not verified)

Where do I get the contact info for the creditors? My credit report only shows a phone number to contact them

Tue, 06/21/2016 - 14:01 Permalink
Brenda Cole (not verified)

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.

Mon, 09/05/2016 - 21:29 Permalink
tony mitchell (not verified)

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.

Sat, 07/29/2017 - 23:35 Permalink
David L Everett (not verified)

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Mon, 07/31/2017 - 05:19 Permalink
Karen Peterson (not verified)

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Fri, 09/15/2017 - 18:04 Permalink
Wendy (not verified)

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Thu, 10/26/2017 - 00:43 Permalink
derek f (not verified)

I had two things on my credit that were holding me back. one is from sears which I paid off and I am not sure of the other one but they are both 17 years old. I filed bankruptcy 17 years ago and settled with them both. It was just brought to my attention that they are still on my reports I recently got referred by my best friend to contact keinetcybertechnologies@gmail.com which I did and he helped me fix my credit and my score was improved I recommend anyone that needs to fix his or her credit to contact him.

Wed, 11/01/2017 - 15:59 Permalink
Dickson Barley (not verified)

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Thu, 11/02/2017 - 05:37 Permalink
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Thu, 01/04/2018 - 00:33 Permalink
Water (not verified)

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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Wed, 03/07/2018 - 16:21 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
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Wed, 03/28/2018 - 15:12 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
Сайт: https://eroctive2.blogspot.ru/

Wed, 03/28/2018 - 17:40 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
Сайт: https://eroctive2.blogspot.ru/

Wed, 03/28/2018 - 18:25 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
Сайт: https://eroctive2.blogspot.ru/

Thu, 03/29/2018 - 11:16 Permalink
Aponte jessica (not verified)

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Thu, 03/29/2018 - 13:00 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
Сайт: https://eroctive2.blogspot.ru/

Thu, 03/29/2018 - 15:23 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
Сайт: https://eroctive2.blogspot.ru/

Thu, 03/29/2018 - 16:19 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
Сайт: https://eroctive2.blogspot.ru/

Fri, 03/30/2018 - 00:50 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
Сайт: https://eroctive2.blogspot.ru/

Sat, 03/31/2018 - 13:36 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
Сайт: https://eroctive2.blogspot.ru/

Sun, 04/01/2018 - 03:40 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
Сайт: https://eroctive2.blogspot.ru/

Sun, 04/01/2018 - 07:15 Permalink
Kennethpet (not verified)

Как часто Ваша партнёрша кричит в постели и рвёт Вам спину, изнемогая от оргазма?
Сайт: https://eroctive2.blogspot.ru/

Sun, 04/01/2018 - 09:44 Permalink
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Sun, 04/01/2018 - 21:18 Permalink
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Sun, 04/01/2018 - 21:18 Permalink
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Wed, 04/11/2018 - 12:33 Permalink
PamPam (not verified)

I recently went car shopping and I knew that my credit was considered poor but now I have like 10+ inquiries on my credit report which are making my score even lower. Can I write Goodwill letters to these creditors to ask if they are willing to remove their inquiries?

Thu, 04/19/2018 - 16:31 Permalink
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Wed, 05/02/2018 - 15:04 Permalink
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Fri, 05/04/2018 - 09:17 Permalink
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Sun, 05/06/2018 - 19:10 Permalink
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Fri, 05/11/2018 - 09:01 Permalink
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Sat, 06/23/2018 - 02:07 Permalink
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Tue, 06/26/2018 - 01:28 Permalink
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Sun, 09/09/2018 - 00:27 Permalink
Billevans (not verified)

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Thu, 09/13/2018 - 00:40 Permalink
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Thu, 09/13/2018 - 11:30 Permalink
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Sat, 09/15/2018 - 22:01 Permalink
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Thu, 09/27/2018 - 23:58 Permalink
BaxterJons (not verified)

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Fri, 09/28/2018 - 00:04 Permalink
Carol66 (not verified)

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Fri, 09/28/2018 - 01:39 Permalink
Jayden (not verified)

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Fri, 09/28/2018 - 02:47 Permalink
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Fri, 09/28/2018 - 17:23 Permalink
Joe789 (not verified)

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Tue, 10/02/2018 - 08:15 Permalink