Sample letter 4 - 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 letter can go something like this:
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Re: Unauthorized Credit Inquiry
Dear 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,
Jane Caveat-Debtor
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