A credit inquiry removal letter is a type of document you can send to creditors and credit reporting agencies that explains why you believe an inquiry on your credit report is inaccurate or undeserved. A credit inquiry removal letter can help eliminate an unwanted inquiry from your credit report. If the inquiry was made in error, the creditor or credit reporting agency might be more likely to remove it if they receive a letter from you explaining the situation. Sending a credit inquiry removal letter is a great way to improve your credit score because it removes one potential blemish from your record. Follow these steps to write your own credit inquiry removal letter!
Hard Credit Inquiry Removal Letter Sample
[Name]
[Address]
[City, State, Zip Code]
[Social Security Number]
[Date of Birth]
[Today’s Date]
[Credit Report Dispute Department]
[Credit Bureau Name]
[Street Address]
[City, State, Zip Code]
Dear [Name of Credit Bureau],
I am writing to emphasize an unauthorized inquiry on my credit notice. On [insert date of report], I recovered a replica of my credit report [insert credit report number] and uncovered this suspicious inquiry. As I did not apply for such glory with [insert creditor or lender], I have also asked that they remove the query from my credit profile.
Please investigate [creditor’s name] inquiry to determine who authorized it. Upon completion, please provide written correspondence detailing your findings’ results. I appreciate your help in resolving this matter.
Sincerely,
[Your Name]
[Your Signature]