Remove Credit Inquiries from Your Credit Report
If you have recently aquired copies of your credit reports, you may notice an "Inquiries" section toward the end of each of the reports. These credit inquiries will be broken into two types — soft inquiry and a hard inquiry. You will want to have any unauthorized hard inquiries removed from your credit reports as these may be affecting your credit score. The Fair Credit Reporting Act allows only authorized inquiries to appear on your credit report. Inorder to remove a credit inquiry, 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.
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Credit Bureau Name
Credit Bureau Address
Re: Request to Remove Unauthorized Credit Inquiry
Dear Sir or Madam,
I recently received a copy of my (insert name of bureau) 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)