Credit Inquiry Removal Letter
Removing Unauthorized Credit Inquiries From Your Credit Report
There are two types of credit inquiries - soft inquiry and a hard inquiry. Your credit reports will list inquiries based on the type of inquiry made. You will want to have any unauthorized hard inquiries removed from your credit reports. The Fair Credit Reporting Act allows only authorized inquiries to appear on your credit report. You must challenge whether the inquiring creditor had proper authorization to pull your credit file. Remember, this letter is only an example and you MUST edit it to fit your particular situation.
Check out all of our sample credit repair letters to handle a variety of credit situations. You can also visit our bookstore where you can purchase eBooks on credit repair, debt settlement and 95 sample letters - all available for instant download.
Re: Request to Remove Unauthorized Credit Inquiry
I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by (insert name of creditor). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into (insert name of creditor) inquiry to determine who requested this credit inquiry.
If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
If you find that I am in error, then please send me proof of this.
Thank you in advance,
(include a copy of your credit report)