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  • Removing Inquiries

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    ShamanicWisdom
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    The document provides instructions and a template letter for consumers to request the removal of unauthorized credit inquiries from their credit report. The letter asks the creditor to remove a specific inquiry, citing that the Fair Credit Reporting Act only allows authorized inquiries. It requests documentation showing the inquiry has been removed and maintains the consumer has not authorized the inquiry in question. The instructions note to keep copies and send the letter by registered mail for documentation.

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    The document provides instructions and a template letter for consumers to request the removal of unauthorized credit inquiries from their credit report. The letter asks the creditor to remove a specific inquiry, citing that the Fair Credit Reporting Act only allows authorized inquiries. It requests documentation showing the inquiry has been removed and maintains the consumer has not authorized the inquiry in question. The instructions note to keep copies and send the letter by registered mail for documentation.

    Copyright:

    © All Rights Reserved
    Download as DOC, PDF, TXT or read online from Scribd
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    Download as doc, pdf, or txt
    2K views1 page

    Removing Inquiries

    Uploaded by

    ShamanicWisdom
    The document provides instructions and a template letter for consumers to request the removal of unauthorized credit inquiries from their credit report. The letter asks the creditor to remove a specific inquiry, citing that the Fair Credit Reporting Act only allows authorized inquiries. It requests documentation showing the inquiry has been removed and maintains the consumer has not authorized the inquiry in question. The instructions note to keep copies and send the letter by registered mail for documentation.

    Copyright:

    © All Rights Reserved
    Download as DOC, PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as doc, pdf, or txt
    of 1

    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.

    Don't forget to provide proof if you have it!


    Keep a copy for your files and send the letter registered mail.

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