Prepare letters to each inquiring creditor asking them to remove their inquiry. The Fair Credit Reporting Act allows only authorized inquiries to appear on the consumer credit report. You must challenge whether the inquiring creditor had proper authorization to pull your credit file. Keep a copy for your files and send the letter registered mail.
123 Your Street Address
Your City, ST 01234
Credit Company Address
Some City, Any State 56789
Re: Unauthorized Credit Inquiry
Dear American BestGuess,
I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn’t be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this.
Thanking you in advance,
Get more Free Credit Repair Templates and Business Plans Form at Business Plan