| Remove credit inquiries from your report |
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Hi, We often notice unauthorized hard inquiries made by creditors listed in our credit report. These inquiries hampers our credit profile and cause problems in acquiring credit benefits. I have prepared a sample letter which you may use to request the creditor to remove the inquiry. Please make sure that you use certified mail instead of ordinary mail to get a prompt response. Regards, Richard {Insert your full name} {Insert your current address} {Insert your current phone number} RE: Unauthorized credit inquiry Dear {Insert creditor's Name}, Kindly note that while checking my personal credit report which I acquired from {insert Credit bureau name}, I noticed an inquiry made by your organization. The details of the inquiry are as follows: Line number: {Insert line number} Inquiry made on: {Insert inquiry date} Inquiry made by: {Insert name of the company or the person making the inquiry} Since I have not approved your organization or any person associated with to the best of my knowledge, you are not legally entitled to make the inquiry. Hence, I request you to contact the concerned credit bureau and the credit reporting agencies and remove the unauthorized hard inquiry with immediate effect as it violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. I also request you to remove my personal information from your records after removing the unauthorized inquiry from my credit profiles. Please send me a written confirmation that you have kept my requests. If you believe that you posses sufficient document that supports your authorization to make the inquiry, please be kind enough to forward me a copy of the same at my current address so that I may verify its validity. I am using certified mail to ensure that you receive this letter and send me prompt response. Thanking you in anticipation, {Insert your full name} |
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