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Sample letter to remove credit inquiries and fix credit score

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Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Fri Feb 12, 2010 6:36 am  

Hi Richard,

As much as I understand from your query, you are asking about the dispute letter. You can send the dispute letters to the creditors first,rather than sending it to the credit bureaus. However if the creditors doesn't comply, you can then send dispute letters to the credit bureaus. Your dispute letter should contain all the details of the account and the reason of your dispute should be strong enough, so that your dispute claim should not get canceled.
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joey
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Subject: questino
 
Posted on Thu Mar 04, 2010 2:34 am  

Do I send this to just the company who is doing the inquire or the credit union or both? Thx
Aaron

Aaron

Joined: 08 Feb 2010
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48565 Magic Points

Subject: removing inquiries
 
Posted on Thu Mar 04, 2010 9:28 am  

Hi Joey,

You can send a letter to the creditors to remove the inquiries. You will be able to find a sample remove credit inquiry letter at http://www.creditmagic.org/letters/credit-inquiry.html .

However, if the creditor does not comply to your request, you can try for a second time. If they fail to remove the inquiries the second time too, you can try disputing these with the credit bureaus. All the letters should be sent through certified mail, requesting a return receipt.

Hope this helps.

Regards,

Aaron
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Gina
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Subject: Inquires
 
Posted on Tue Mar 30, 2010 3:39 pm  

Good Morning,
I have about 6 inquiries on my credit report that i did trying to get some cc. How can I remove them? or will the inquires stays for 2 years?

Help!!!!
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: inquiries
 
Posted on Wed Mar 31, 2010 11:06 am  

Hi Gina,

Most of the hard inquiries stay on your credit report for two year. If you were aware of the credit inquiries being made, then I am afraid they cannot be removed. However, if you weren't aware of the inquiries, you can file a dispute to remove the inquiries from your report.

Thanks,

Aaron
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ladylaury



Joined: 07 Apr 2010
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Posts: 4



46 Magic Points

 
Posted on Wed Apr 07, 2010 5:34 am  

I have 52 hard inquiries on my credit report dating back to 2008. Some I am familiar with but alot of them I am not. It would be costly to send certified letters to each one. Some of them used one or more credit agency. How should I go about getting some of these removed?
pwsolutions



Joined: 07 Apr 2010
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Posts: 1



10 Magic Points

 
Posted on Wed Apr 07, 2010 5:41 am  

Thank you for sharing with us such a great information in which you are telling me for credit repair and its all procedure.
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Aaron

Aaron

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48565 Magic Points

Subject: removing hard inquiries
 
Posted on Wed Apr 07, 2010 6:02 am  

Hi ladylaury:

You can dispute only those hard inquiries of which you weren't aware of. Certified letters with the request for a return receipt are sent so that you have the proof that you had sent the letters. However, to lessen the cost of sending so many letters try sending the letters only through certified mail. You need not send the letters with the request for return receipt.

You can also send 2-4 disputes at a time. This too will lessen your costs.

pwsolutions:

Welcome to this community Smile

If you have any queries, you too can feel free to discuss in the forum.

Hope this helps,

Regards,

Aaron
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toota
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Subject: authorized hard inquiries
 
Posted on Sun Apr 11, 2010 7:27 am  

i went to both macy's and kohls to purches and the employers asked me if i wanna get their card without educating me,,,i thought it's something good to have macy's,kohls or old navy's credit card,,,what should i do now???please advice
Aaron

Aaron

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48565 Magic Points

Subject: credit cards
 
Posted on Mon Apr 12, 2010 12:01 pm  

Hi Toota,

Can you be more clear on what exactly you want to know? Is it about removing hard inquiries? If so, then you may not be able to remove the hard inquiry, because you were aware of it. As for the credit card, whether or you are going to take it depends on various options. You should first check the reliability of the card in the market. Then you should try to know the interest rate, the Annual Percentage Rate (APR), balance transfer rate, whether or not the rate varies from time to time, etc.

Hope this helps,

Regards,

Aaron
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Subject: Inquiry removed
 
Posted on Sun Apr 18, 2010 4:42 pm  

I have been told by all 3 bureaus that they don't remove inquiries. They said must contact the agency who said you didnt apply for credit with and have them remove it. I think its bull. What should I do next ?
Bruce
Aaron

Aaron

Joined: 08 Feb 2010
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48565 Magic Points

Subject: inquiry removed
 
Posted on Mon Apr 19, 2010 10:01 am  

Hi Guest,

Can you tell me whether or not this inquiry was done without your knowledge? If it was done without your knowledge, you can first try to dispute the hard inquiry with the creditor itself. Send the dispute letter through certified mail, requesting a return receipt. If they don't comply to your request, you can then send certified dispute letter to the credit bureaus.

Hope this helps.

Regards,

Aaron
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benben7
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Subject: Inquiry question
 
Posted on Thu Apr 29, 2010 10:30 pm  

can a hard inquiry be changed from a hard to soft? For example I applied to open a bank account and they did a hard inquiry. Can this be changed to a soft one.
Aaron

Aaron

Joined: 08 Feb 2010
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48565 Magic Points

Subject: hard and soft inquiry
 
Posted on Fri Apr 30, 2010 11:58 am  

Hi Benben,

No a hard inquiry cannot be changed to a sift inquiry. Every time you apply for a loan, or a credit card, the lender or the credit card company will run a check on your credit report. This is known as hard inquiry. When you pull your credit report, it is known as the soft pull or soft inquiry.

Hard inquiries can stay on your credit report for 2 years, and can hurt your score by 2-10 points.

Thanks,

Aaron
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Belinda
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Subject: Hard Inquiry
 
Posted on Thu Jul 15, 2010 7:08 am  

After paying off the Collection Agency with the amount they said that I owed..they then turned around and request transunion my credit report w/c was Hard Inquiry...is this legal

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