You applied for credit and you got denied. Then you received a letter telling you simply denied credit too many credit inquiries. So you ask what are these credit inquiries? Then you contact the CRA that was suggested in the letter. You discover unauthorized “Hard Inquiries” on your credit reports! Now you have to contact them and ask to remove these unauthorized inquiries but you get no response. You may also ask:
How long do credit inquiries stay on my credit report? The answer to that is 3 years but they are not as negative on your credit score after 6 months. But you should always try to remove these unauthorized credit inquiries.
If after contacting and asking these creditors or organizations to stop performing “illegal hard credit inquiries” to your credit profiles, you can send a letter similar to the one below to credit reporting agencies asking them to remove the unauthorized credit inquiries.
Free Sample Letter
To Get Unauthorized Credit Inquiries Removed
Today’s Date
Your Full Name
Current Address
Current Phone Number
Attention: (credit reporting agency name)
(add CRA address here, see below for address)
Dear “credit reporting agency”
This letter is a formal request to remove unauthorized inquiries from my credit report. I’ve enclosed a copy of the credit report that your organization provided me on {insert date of report}. I’ve listed the unauthorized inquiries below and also circled them on the enclosed credit report.
Line Item (insert number):
Creditor: (insert name of creditor(s) making the inquiry)
Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to stop their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond, therefore, I ask for your assistance in resolving this matter.
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the address listed above.
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at (insert your phone number including area code).
Sincerely,
Signature
Your Printed Name
Credit Inquiries Removal Addresses
Experian:
National Consumer Assistance Center
PO Box 2002 Allen, TX 75013
TransUnion: (Eastern United States)
TransUnion
P.O. Box 2000
Chester, PA 19022
TransUnion: (Western United States)
P.O. Box 34012
Fullerton, CA 92831
Good luck.
Related posts: