If you have been denied credit or loan, one of the possible reasons is a high number of inquiries on your credit report. A credit report inquiry indicates when someone requests to view your credit report to determine your creditworthiness. Too many inquiries can negatively impact your credit score, making it difficult to get approved for credit and loans. In this article, you will learn how to remove inquiries from your credit report using a sample letter.

Understand the Types of Inquiries on Your Credit Report

Before you start the process of removing inquiries from your credit report, it’s essential to familiarize yourself with the types of inquiries. Two types of inquiries appear on your credit report- hard inquiries and soft inquiries. Hard inquiries occur when you apply for credit, such as a mortgage, credit card, auto loan, or any line of credit. Hard inquiries affect your credit score negatively and can remain on your credit report for up to two years. In contrast, soft inquiries do not impact your credit score and appear on your report for only 24 months.

How to Remove Inquiries from Your Credit Report Using a Sample Letter

If you notice errors or fraudulent inquiries on your credit report, you can request their removal through a sample letter. Here are the steps to follow:

  • Request a copy of your credit report from the three major credit reporting agencies- Equifax, Experian, and TransUnion.
  • Review your credit report and identify potential errors and unauthorized inquiries that you want to remove.
  • Compose a letter requesting the removal of the errors and unauthorized inquiries from your credit report. Be specific about which inquiries you want to remove and why.
  • Include any supporting documents, such as a police report if the inquiries were fraudulent.
  • Mail the letter and supporting documents to the credit reporting agencies via certified mail to have proof of delivery.

Sample Letter to Remove Inquiries from Your Credit Report

If you need to remove inquiries from your credit report, here’s a template for a sample letter to the credit reporting agencies:

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Name of Credit Reporting Agency]
[Address]
[City, State ZIP Code]

Dear Sir/Madam,

I am writing to request that the following inquiries be removed from my credit report. Upon reviewing my credit report, I have discovered unauthorized inquiries which I did not approve, and they have impacted my credit score negatively.

I hereby request the following inquiries to be removed from my credit report:

[Name of company that made the inquiry], [date of the inquiry], [account number if available]

[Name of company that made the inquiry], [date of the inquiry], [account number if available]

I would appreciate you investigating this matter and removing the inquiries from my credit report as soon as possible. Enclosed, please find a copy of my credit report highlighting the unauthorized inquiries.

Please notify me once the investigation is complete.

Thank you for your prompt attention to this matter.

Sincerely,

[Your Name]

Final Thoughts

Removing inquiries from your credit report can be time-consuming and challenging, but it’s crucial to maintain a good credit score. Always check your credit report frequently and dispute any errors or unauthorized inquiries as soon as possible. By following the steps in this article and using the sample letter provided, you can request the removal of inquiries from your credit report and improve your creditworthiness.

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