This page will cover information on Sample letter to remove inquiries from credit report. This letter is aimed at removing hard credit inquiries from your credit report so we will begin by defining what a hard credit inquiry is.
What is a hard credit inquiry?
Hard credit inquiries, which are sometimes called “hard pulls”, usually happen when a financial organization, such as a car dealership or credit card company, pulls your credit report in order to decide whether to allow you to use their service or not. Each one of these requests are reported to the credit Bureaus and often times they will lead to a reduced credit score, although the hit may not be as large as other factor.
According to credit Karma hard inquiries have a low impact but can stay on your credit report for up to 2 years.
A couple of hard inquiries will really not affect you but more than 4 will lead to a diminished score.
In most cases the inquiries are legal as you give consent to whichever entity you are working with to pull your credit, in some cases multiple times. There are however instances where identity theft or fraud is concerned and in these instances you can legally dispute these inquiries and have them removed from your credit file.
Using a sample letter to remove inquiries on a credit report
If you find any errors on your credit report such as hard inquiries that occurred without your consent then you can dispute them with the relevant credit bureaus. You can also contact the CFPB (Consumer Financial Protection Bureau) for extra support.
Remember that you can only dispute those inquiries that are done without your permission.
These days it is easier than ever to dispute the inquiries on your credit report. Simply contact the credit bureaus with letter like a Sample letter to remove inquiries from credit report.
The credit bureau will verify the authenticity of the inquiry and will remove the inquiry or let you know why they believe the inquiry is valid.
It is important to use a properly worded Credit repair letter to ensure your request is accommodated.
Be sure to include a copy of your credit report with the inquiries highlighted.
See the attached Sample letter to remove inquiries from credit report for an idea of how to write to the credit bureau of get professionally written credit repair letters here.