Removing Inquiries
Removing Inquiries
Prepare letters to each inquiring creditor asking them to remove their inquiry. The Fair Credit Reporting
Act allows only authorized inquiries to appear on the consumer credit report. You must challenge whether
the inquiring creditor had proper authorization to pull your credit file.
Your Name
123 Your Street Address
Your City, ST 01234
The Creditor
Bureau Address
Anytown, State 56789
Date:
Re: Unauthorized Credit Inquiry
Dear Creditor (ex: American Express),
I recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your
company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my
file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it
very difficult for me to acquire credit.
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as
to forward me documentation that you have had the unauthorized inquiry removed.
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please
send me proof of this.
Thanking you in advance,
Sincerely,
your signature
Your Name
SSN# 123-45-6789
Attachment included.