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Sample letters to remove inquiries

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Find more articles on debt consolidation by visiting this site: www.consolidatedebtguide.org.

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Sample letters to remove inquiries

  1. 1. Sample Letters to Remove InquiriesIf you have reason to believe that a hard inquiry which appeared on your credit was madewithout your authorization, you should send a letter to the creditor telling them to remove it.Like all correspondences directed to creditors, debt collection agencies, and credit bureaus,be sure to send your letter via certified mail with return receipt requested so you have arecord of all documentation in case they refuse to budge and you have to bring the matter tothe State Banking Commission.Here are some samples of letters you can send to your creditors to have them remove thehard inquiries.Sample Letter No. 1:DateYour NameYour Address (Street Number, Street Name)City, State, and Zip CodeYour Phone number(Name of Creditor)(Creditor Office Street Number and Address)(City, State, and Zip Code)RE: Unauthorized Credit InquiryDear Sir/Madam (if you know the name of the person in charge, the better),I have recently obtained a copy of my (write the name of credit bureau—Experian,TransUnion, Equifax) credit report. It showed a credit inquiry by your company that I do notrecall authorizing. It is my understanding that you are not allowed to put an inquiry on myfile unless I have given you express authorization to do so. Please have this inquiryremoved from my credit report because it is affecting my loan applications and making itvery difficult for me to acquire credit.I have sent this letter through certified mail inasmuch as I need your prompt response to thisissue. Please be so kind as to forward me documentation that you have already had theunauthorized inquiry removed.However, should you find that I am remiss and that you did have my authorization to inquireinto my credit report then please send me proof of this fact.Thank you very much.Sincerely,Signature over Printed NameSample Letter No. 2:Date
  2. 2. Your NameYour Address (Street Number, Street Name)City, State, and Zip CodeYour Phone number(Name of Creditor)(Creditor Office Street Number and Address)(City, State, and Zip Code)RE: Unauthorized Credit InquiryDear Sir/Madam (if you know the name of the person in charge, the better),This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy (insert the name of the credit bureau here) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where yourorganization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report:Line Item: (write the number)Made by: (name of company or person making the inquiry)Made on: (date of inquiry)Made with: (name of credit reporting agency)To the best of my knowledge, I have not signed any documents authorizing yourorganization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer.If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, Im sure that youll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.Thank you.Sincerely,Signature over Printed NameFind more articles on debt consolidation by visiting this site:www.consolidatedebtguide.org.Here are more interesting articles:
  3. 3. Wipe Out Your Debts With Credit Card Debt Risk ManagementWho Can Help You Overcome Debt?Avoiding Debt Starts with Paycheck ManagementHow to Increase Savings Fund While Paying Your Debts

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