How To Remove Credit Inquiries from Your Credit Reports

Posted by Ms. K - May 10, 2016

Whether you are removing inquiries, accounts over the statutes of limitations etc. can be a daunting task. Today I will be giving steps to remove inquiries off your credit report. This is something I am currently working on as my credit score has gone up by me working on it myself

Yes, companies charge some a small amount others a whopping fee. This requires discipline and if you are or have heard of Dave Ramsey he has a great book regarding how to start a budget with “baby steps”. Imagine incorporating his book with your work, you can become dangerous  (in a good way).

Below are the steps steps to remove inquiries:

“If you’re repairing your credit, once you’ve tackled the most pressing problems with yourcredit reportsthrough debt validation, you may need to turn your attention to credit inquiries. Though they carry far less weight than late payments or collections, for example, credit inquiries can count against your credit score.

There are two types of credit inquiries:

1) Hard inquiries, made by potential creditors when you actively apply for credit

2) Soft inquiries, made by potential creditors who check your credit without your knowledge when considering you for a credit offer

You need not worry about the soft inquiries, as they do not count against your credit score.

Even if you can’t remember the last time you applied for credit, keep in mind that credit inquiries stay on your report for up to two years. So it’s likely you have more inquiries than you may easily remember over two years’ time. After all, it’s not just lenders for credit cards, home and auto loans who may check your credit, but also utility companies, cell phone companies, etc.

To try and have credit inquiries removed:

  • Locate the address of each inquiring creditor.
  • Write the creditor a letter requesting proof that you authorized the inquiry. Mail the letter Certified Mail Return Receipt Requested. Make note of the date they received the letter. If they do not respond within 30 days of receipt, they are required by law to remove the inquiry.
  • If they provide proof of your authorization, review the form you signed and, if appropriate, respond with an objection that the language of the authorization was too complicated for a layperson to understand. State that you will contact the State Banking Commission and complain about a deceptive and unclear authorization form if they do not remove the inquiry. Again, mail the letter Certified Mail Return Receipt Requested.

Beyond that, the best means of keeping credit inquires to a minimum is a simple one: keep credit applications to a minimum. If you have bad credit, you probably won’t qualify anyway. And even if you do, the number one goal during the credit repair process should be eliminating debt from your credit reports, not taking on the potential for more. While there will come a time when a new credit card will be ideal for adding positive credit to your score, that can and should come after addressing the negative aspects first.”

by Meredith Simonds April08, 2013

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