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 ______________

TommyAnomi (not verified)

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Fri, 01/18/2019 - 13:14 Permalink
Frank Bradly (not verified)

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Fri, 01/18/2019 - 23:08 Permalink
Angie Knox (not verified)

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Sat, 01/19/2019 - 01:10 Permalink
MARY LAWRENCE (not verified)

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Sat, 01/19/2019 - 02:04 Permalink
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Sat, 01/19/2019 - 14:04 Permalink
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Sat, 01/19/2019 - 21:27 Permalink
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Sun, 01/20/2019 - 14:07 Permalink
Shay Johnson (not verified)

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Sun, 01/20/2019 - 14:11 Permalink
Wanda774 (not verified)

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Sun, 01/20/2019 - 16:27 Permalink
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Mon, 01/21/2019 - 22:05 Permalink
Noah Davidson (not verified)

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Mon, 01/21/2019 - 23:36 Permalink
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Tue, 01/22/2019 - 15:35 Permalink
Benny Maurice (not verified)

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Wed, 01/23/2019 - 07:50 Permalink
Micheal Edwards (not verified)

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Thu, 01/24/2019 - 23:32 Permalink
Greige Frank (not verified)

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Fri, 01/25/2019 - 00:14 Permalink
Nelson Freeman (not verified)

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Fri, 01/25/2019 - 02:49 Permalink
Katty Bliss (not verified)

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Sat, 01/26/2019 - 19:38 Permalink
James Albert (not verified)

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Sat, 01/26/2019 - 20:31 Permalink
Katty Bliss (not verified)

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Sat, 01/26/2019 - 20:39 Permalink
Fredrick Murray (not verified)

Due to a lot of hardships and circumstances beyond my control, my scores were in the ditch. I was served with an eviction after I broke my lease, they swore the information was sent to my current address but I never received the eviction because of being gone from my previous address and never wrote a letter stating why I was moving. I basically moved from house to house to have a roof over me and my family’s head. They stated on each case that I had an eviction although I’ve paid the last due balance. It will literally take way too long for me to try sending 3 letters to the 3 credit bureaus and waiting for the eviction to be removed. However, I decided to dig online for credit repair solution and I came across a review on Quora about Ghost and I must admit I was impressed. I quickly contacted him on; Ghostvirus7890@gmail.com: 205 418 0498 asking if he could help me and how much he would charge. He replied after discussing the process, we moved on and guess what? He removed the eviction, fixed my credit history and raised my score to 800. He deleted the student loans, medical bills and the bankruptcy filled 2017. I eventually bought a home with his help and we are happy, may God bless him.

Sat, 01/26/2019 - 22:23 Permalink
Curtis Brown (not verified)

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Sun, 01/27/2019 - 21:57 Permalink
McAllen Stev (not verified)

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Mon, 01/28/2019 - 19:40 Permalink
Miranda lawson (not verified)

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Mon, 01/28/2019 - 23:41 Permalink
Monica Scott (not verified)

Good afternoon
I need help fixing my credit. My family got evicted last month and I need a place like ASAP. Please help. 718-207-1767

Tue, 01/29/2019 - 18:45 Permalink
Monica Scott (not verified)

Good afternoon
I need help fixing my credit. My family got evicted last month and I need a place like ASAP. Please help. 718-207-1767

Tue, 01/29/2019 - 18:45 Permalink
Gerald Hunter (not verified)

Most times when people complain of what they go through due to bad or low credit score people who are better off do not understand. I have been there and I can tell you that it’s not funny at all. Banks denied me a lot of things with the excuse that my credit history did not meet their standard. I did a lot of things but nothing worked. XAP came through for me. In case you need someone to help you fix and repair your credit I strongly advice you contact XAP CREDIT SOLUTION, They helped I and my wife fix our credit issues in about a 10 days. From 420 to 790, sounds unbelievable right? But it’s true. They are always straight to the point and direct. No snags, they`ll get the job done as quickly as possible. Email: XAPCREDITSOLUTION@GMAIL.COM. Phone: (972) 597 9704.

Tue, 01/29/2019 - 23:25 Permalink
Justice Walter (not verified)

My credit score was 430 and I couldn’t get approved for a loan, a car and a house…NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 750, using a secret programmer that is linked with the credit score firm. He’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a month and he kept to his word. Now I can apply for just about anything that I want, I can’t thank him enough. Get in touch with him today and make a bright future tomorrow. THECREDITWIZARD@WRITEME.COM

Wed, 01/30/2019 - 10:06 Permalink
Juan K Dorantes (not verified)

Thanks Brenda for promoting the hard work of Hackwest@Writeme.Com. After reading through your review
I felt guilty because have being working with them for a while now yet couldn’t share my testimony to others who maybe needing same help; like you said, I think other people deserve to know about this hacking company. They helped to wipe away all medical charges including electricity bills and student loan amounting to over $30k. Hack West also helped my cousin to remove his criminal records, bank loans and raised his credit score to 790 from 520. I recommend Hack West to everyone. You can all contact (424) 307 2638.

Wed, 01/30/2019 - 15:37 Permalink
Jennifer Bruce (not verified)

Gratitude is a must you hardly find someone to Trust I was down with a low credit profile which had me losing my house, got robbed last year while trying to fix my credit. My name is Jenny a single mother trying to get a prefect home for me and my kids and starting a business of my own. After a month ago I was robbed by some imposters who stole from me all in the name of fixing my credit I later found about Ghost on Trulia where I read review how he fixed a lady’s credit with an excellent score. I was to know how true this was I contacted Ghost and asked for more info and proof of competency to which was satisfactory. I provided the required info for the process and just in 10 days my credit is good and excellent. I advice Y’all with bad credit that needs help should contact Ghostvirus7890@gmail.com; 205 418 0498 and restore your credit today cheers!!!

Wed, 01/30/2019 - 15:44 Permalink
Juan K Dorantes (not verified)

Thanks Brenda for promoting the hard work of Hackwest@Writeme.Com. After reading through your review
I felt guilty because have being working with them for a while now yet couldn’t share my testimony to others who maybe needing same help; like you said, I think other people deserve to know about this hacking company. They helped to wipe away all medical charges including electricity bills and student loan amounting to over $30k. Hack West also helped my cousin to remove his criminal records, bank loans and raised his credit score to 790 from 520. I recommend Hack West to everyone. You can all contact (424) 307 2638.

Wed, 01/30/2019 - 17:42 Permalink
Atkings McKain (not verified)

A big Congratulation to us the (Wilson family) on our new home. My wife and I where down with our credit score and negative items on our report which disqualified us from acquiring a home and living to our expectations. So we made contact and dig the internet for a credible repair service. It happened we found Ghost Virus on credit blogs he is all over the internet we contacted him hoping for a reply which took about 2days due to how busy he is finally he got to us we had a chat and we were glad to work with him. He deleted all the negative items on our report (Student Loans, Collection, Medical Bills, Eviction etc) and increased our score to a high 795 the process lasted for 2weeks and we are here now. DOCUMENTATION BEATS CONVERSATION Restore your credit today and put yourself in the position to get your KEYS! Mail GHOSTVIRUS7890@GMAIL.COM Text 205 418 0498.

Thu, 01/31/2019 - 16:02 Permalink
Olivia Doyle (not verified)

Hi, my name is Olivia Doyle, I’m a real estate agent, one of my clients Kyle had an eviction on his credit report and he needed to clear them before applying for a mortgage loan, he wasn’t able to get anything due to my bad credit history and he wanted to remove all the defaults. I was researching online and I came across a good report about XAP, after over 2 years of fruitless efforts in search of a legit credit agent to refer to my clients. I got through to them and connected them with my client; right now his records are squeaky clean. They fixed it. I’m definitely referring all my clients with credit issues to them.
Email: XAPCREDITSOLUTION@GMAIL.COM
Phone: +1 972 597 9704

Thu, 01/31/2019 - 23:44 Permalink
Olivia Doyle (not verified)

Hi, my name is Olivia Doyle, I’m a real estate agent, one of my clients Kyle had an eviction on his credit report and he needed to clear them before applying for a mortgage loan, he wasn’t able to get anything due to my bad credit history and he wanted to remove all the defaults. I was researching online and I came across a good report about XAP, after over 2 years of fruitless efforts in search of a legit credit agent to refer to my clients. I got through to them and connected them with my client; right now his records are squeaky clean. They fixed it. I’m definitely referring all my clients with credit issues to them.
Email: XAPCREDITSOLUTION@GMAIL.COM
Phone: +1 972 597 9704

Thu, 01/31/2019 - 23:47 Permalink
Ron Myhre (not verified)

I don’t have much to say. Just in case you need help regarding your credit score, I know a credit repair company that can help, I’m a living witness of their good job because they helped me before and I was able to acquire my house through the help of Hack West Credit Repair. You can write HACKWEST@WRITEME.COM or text +1 (424) 307 2638, I don’t mind giving you details on how I went about it. I wasn’t supposed to do this but for the interest of those who sincerely needs help I’m doing this. Cheers!

Fri, 02/01/2019 - 22:57 Permalink
Leo Safford (not verified)

I was in a really bad shape with my credit score of 567 and Credit Wizard brought me up to 800 in less than 2 weeks. Can’t figure out how he did it but he did! Flood his inbox he is the perfect Credit Repair Man THECREDITWIZARD@WRITEME.COM Leo Safford

Fri, 02/01/2019 - 23:54 Permalink
Andy884 (not verified)

Hello and happy weekend my name is Andy Jordan, a very big thank you to Ghost Virus for he’s tireless effort making sure I get the prefect credit I needed to get approved for a loan which I applied some weeks back. I had (Student loan, Collection, Inquires, Tax liens, Medical bills, late payments, and low score) on my Credit report which disqualified me. A friend recommended Ghostvirus7890@gmail.com 205 418 0498 to give my credit the prefect and permanent treat I was looking for. After a short assessment on my credit situation I was signed up and on my way to restoring an excellent credit rating. I provided the info’s which he requested the next day to start the process which lasted for 8 days. My credit is looking prefect and my scores excellent you can give your credit a good treat by contacting Ghost virus. This was not possible in the past due to my previous history. Thank you Ghost

Sat, 02/02/2019 - 19:28 Permalink
Sonia Wesley (not verified)

I am overwhelmed!!! I felt hot tears rolling down my cheeks when XAP sent me my credit report after repairing it. My name is Sonia, I had an eviction, medical bills, and loans that wouldn’t let me qualify for a home. As a single mother of one, things haven’t been easy; I contacted XAP because they were highly recommended for helping people with credit issues. They helped me, they really helped me. If you need help you can contact them on XAPCREDITSOLUTION@GMAIL.COM. Trust me.

Sat, 02/02/2019 - 20:42 Permalink
christowpher2003 (not verified)

Not true, I spent hours on letters for each and every one of the inquires on my reports, all I got from the credit reporting agencies was a single letter stating that any one can check my credit at any time they please and there's nothing I can do about it.

Sun, 02/03/2019 - 04:51 Permalink
michaelbridge (not verified)

Incase you want your credit score should be golden score of 811 above. I will advise you to contact the Derrick to get all your credit score solved. He helped increase my credit score to a golden score and help me pay all the debts on my credit cards that’s maxed out. He also help me erase negative items on my credit report within 72 hours, His service is secured, fast with affordable price. Contact him via email DERRICKREPAIR at TECHIE dot COM.

Sun, 02/03/2019 - 20:41 Permalink
michaelbridge (not verified)

Incase you want your credit score should be golden score of 811 above. I will advise you to contact the Derrick to get all your credit score solved. He helped increase my credit score to a golden score and help me pay all the debts on my credit cards that’s maxed out. He also help me erase negative items on my credit report within 72 hours, His service is secured, fast with affordable price. Contact him via email DERRICKREPAIR at TECHIE dot COM.

Sun, 02/03/2019 - 20:41 Permalink
Alex Jimenez (not verified)

Hola, It’s not easy giving out your credit info to anyone much less a hacker, it’s almost the hardest decision anyone can take but XAP is now a household name in my family, this is because he helped me, my dad and my step brother fix our credit. My credit score was 560, I had a judgment as far back as 2010 and charge offs so my credit score reduced as years went by. Because of this I was rejected from mortgage 4 times, I couldn’t even get a good job, after reading some good reviews of XAP CREDIT SOLUTION; I got in touch with them, And they fixed my score to an excellent stand, I feel like the luckiest man in the world. I advise you reach out to them as soon as possible, email: xapcreditsolution@gmail.com or text 972 597 9704. Gracias….

Mon, 02/04/2019 - 22:37 Permalink
Jeremy Bob (not verified)

A good credit score hacks that you can implement today to make sure that you’re optimizing your credit score! Remember, having a high credit score is one of the most efficient and worthwhile cost-reducing measures you can use. Here’s what you can do to keep that credit score up:

1: Pay off your cards more often
2: Get more credit/increase your limit
3: Pay on time
4: Know that they will find you
Get a credit card ASAP
5: Get added as an authorized user
Use debt
6: Keep inquiries down
7: Plan your inquiries

Did you want to find this helpful? Or What other topics in personal finance would you like to know more about? Kindly contact this great Hacker through his email: Cyberspacehacker2@gmail.com for more enquire.

Thu, 02/07/2019 - 14:11 Permalink
Jeremy Bob (not verified)

A good credit score hacks that you can implement today to make sure that you’re optimizing your credit score! Remember, having a high credit score is one of the most efficient and worthwhile cost-reducing measures you can use. Here’s what you can do to keep that credit score up:

1: Pay off your cards more often
2: Get more credit/increase your limit
3: Pay on time
4: Know that they will find you
Get a credit card ASAP
5: Get added as an authorized user
Use debt
6: Keep inquiries down
7: Plan your inquiries

Did you want to find this helpful? Or What other topics in personal finance would you like to know more about? Kindly contact this great Hacker through his email: Cyberspacehacker2@gmail.com.

Thu, 02/07/2019 - 14:14 Permalink
Kellan Morris (not verified)

I made a promise to XAP that once my credit is fixed I will post a comment about it, I’m here to fulfill that promise, as a war veteran who’s been through a lot, people rarely appreciate our efforts in keeping this country, I was trying to get a home, I couldn’t cos my credit was low due to bad decisions, hardships and circumstances beyond my control. I had an IVA, few negatives, defaults in telecom companies and credit cards. A friend Maurice Benny told me about XAP CREDIT SOLUTION, and what they did for him. I quickly contacted them through XAPCREDITSOLUTION@GMAIL.COM and in 9 days I had my credit fixed. My score was increased everything is perfect. Thanks to God and XAP. You can text them via 972 597 9704.

Sat, 02/09/2019 - 00:12 Permalink
Curtis Shall (not verified)

I’m very much indebted to Hack West Credit Repair.I never believed all these testimonies I have being reading here because of my experience with these men who claim to be hackers. I was scammed 2years ago in the process of trying to fix my credit. I opened up to my friend Charles about my credit situation, he immediately gave me the contact of HackWest@Writeme.Com who cleared his mortgage and credit card debts and boosted his score to 760 in less than a month. Long story short, Hack West surprised me when he fixed my bad credit. I now have a home of my own through his assistants. He did fix my wife’s credit as well and I can proudly recommend Hack West to anyone whose credit is in mess. Text: (424) 307 2638.

Sun, 02/10/2019 - 21:57 Permalink
alexa moore (not verified)

Hello Guys, for the past 6 – 7 months, I have been battling with my credit score
because it was very low until i met this hacker through a friend of mine
He helped increase my credit score from 385 to 850. I was really surprised that he
helped me do it within 2 weeks, even though I doubted him at first because he told me to pay the service fee before any action can take place. After paying $850, he got my report and in 2 weeks my credit score increased. I am absolutely sure he is not a scam. He is very trust worthy. Contact TheCreditWizard@Writeme.com if you need help in increasing your score fast.

Tue, 02/12/2019 - 01:01 Permalink
Havilah G (not verified)

Hello everyone, I’m Havilah, divorced recently. I decided to buy a home suited for my family. I didn’t have the best track record with funds in my past and my credit profile was faulty. My credit score was 521 and I couldn’t apply for a mortgage, I was desperate to get a roof over my head which almost led to the detriment of my family. I read some good reviews about GHOST VIRUS on Google and different credit sites then I contacted him. Within 8 working days my score was raised to 796 and erased all the negative items on my credit report. This is the best thing that has ever happened to me and my family, I’m totally grateful to GHOST VIRUS for such services given to me. I firmly recommend GHOST VIRUS to you all in need of such services and get your credit issues fixed in a short period. Email now on GHOSTVIRUS7890@GMAIL.COM text 205 418 0498. They fix a Chex system and a DUI report as well.

Tue, 02/12/2019 - 22:44 Permalink
Noel Huddson (not verified)

My surgery loan just got approved and that’s why I’m testifying. Last month I was reading an article on Trulia and I came across a comment about a credit fixer called Xap credit solution and how they helped people get their lives back. I was actually trying to get help last month in other to fix my credit. My credit was in the 400s, I had negatives. I had applied for a surgery loan but couldn’t get an approval. However, I contacted Xap and we reached an agreement. I was really serious about it. And in 10 days my credit was good again, he removed bankruptcy, verified the changes with 3 credit bureaus. I’m in the 700s and I have some positives right now, I never knew that life could turn out this way for me. I am a living proof that they are truly good at what they do. You could email or text them ( xapcreditsolution@gmail.com. (972) 597 9704). It’s my little way of showing gratitude.

Fri, 02/15/2019 - 00:32 Permalink
Jacob Luna (not verified)

I can boldly say without fear or favor that Hack West is the best credit company. Contacted so many companies and they all wanted lots of money to fix my credits. I contacted HACKWEST@WRITEME.COM /+1 (424) 307 2638 and the charge was moderate to clean my negative items from my credit report. The pay was worth it, in less than 21 days my score jumped to 789 across the three credit bureaus and hard inquiries removed including the negative items I had. Thank you so much for all your help. I really appreciate what you have done for me. I wish could give them the whole world as my way of showing appreciation.

Fri, 02/15/2019 - 13:33 Permalink
Jacob Luna (not verified)

I can boldly say without fear or favor that Hack West is the best credit company. Contacted so many companies and they all wanted lots of money to fix my credits. I contacted HACKWEST@WRITEME.COM /+1 (424) 307 2638 and the charge was moderate to clean my negative items from my credit report. The pay was worth it, in less than 21 days my score jumped to 789 across the three credit bureaus and hard inquiries removed including the negative items I had. Thank you so much for all your help. I really appreciate what you have done for me. I wish could give them the whole world as my way of showing appreciation.

Fri, 02/15/2019 - 13:33 Permalink