Credit Inquiry Removal Letter Template

Writing a simple hard credit inquiry removal letter by andre bradley february 5 2019 january 6 2020 credit letters a credit inquiry is a request by a legitimate business to check the credit history of a potential customer.

Credit inquiry removal letter template. A removal letter is a formal request to the credit bureaus to have an inquiry wiped from your record. Use this sample credit inquiry removal letter as a template for your formal credit inquiry removal letter. In any case make sure to keep copies of any of correspondence and supporting documents that you send to the creditors andor credit bureaus. Inorder to remove a credit inquiry you must challenge whether the inquiring creditor had proper authorization to pull your credit file.

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. Dispute and remove hard inquiries from your credit report sample credit inquiry removal letter. Hard inquiry removal letter sample we have prepared this sample letter to send to the credit bureaus requesting an investigation of an unauthorized inquiry appearing on your credit report. I received a copy of my credit report from your organization.

There are hard and soft inquires but only hard inquiries will affect the fico score. Be sure to send via certified mail rather than standard mail delivery to get a faster response and ensure your letter is received. When submitting a dispute for an inquiry on your credit report youll need to include some specific information. While credit inquiries are typically the least significant scoring factor on your credit report accounting for approximately five points for each inquiry they can add up quickly if youre not careful.

Sample credit inquiry removal letter name and address of the person sending the letter john smith 123 oak street city state 12345. A credit inquiry is a request by a legitimate business to check the credit history of a potential customer. Removing inaccurate information particularly hard inquiries will typically result in a higher credit score. Credit removal letter template.

Information to include with your inquiry removal. We often notice unauthorized hard inquiries made by creditors listed in our credit report. The removal letter follows a specific format and should be typed not handwritten. Writing a removal letter.

You can only submit a removal letter for false or unauthorized inquiriesany inquiry you did authorize will stay on your record. A credit inquiry removal letter can be a relatively easy and effective way to improve your credit score. The removal normally takes approximately 30 days to appear on the credit report. The fair credit reporting act allows only authorized inquiries to appear on your credit report.

Remember this letter is only an example and you must edit it to fit your particular situation.