The Process for Removing Credit Inquiries

Removing credit inquiries is a fairly straightforward process - if the inquiries are not authorized by you. Unauthorized inquiries are fairly easy to get rid, but justified inquiries can be a lot trickier.

Any inquiries that appear on your credit report that don't provide a permissible purpose are inquiries that you may be able to have removed easily. If you feel there is an inquiry on your record which is adversely affecting your credit score and which has been made without your authorization, you are entitled to send a letter to the company who made it to ask them to acknowledge that they did not have the right to make the inquiry.

This situation is most likely to arise when a debt collection agency wants to pull your credit record. For a company to make a legitimate inquiry into your credit history, they must have a good reason to do so. To let them know you are serious, make it clear that you are prepared to take legal action in the event that they fail to respond or refuse to provide the evidence to justify their inquiry.

Once you have a written response from a lender that states the inquiry was made without permission, you can have it removed from your record. To do this, simply create copies of the documents you receive from the lender and send them to the credit reporting bureaus with a clear request to remove the credit inquiry.

From here, it should be a fairly smooth path to getting the inquiry removed. The only problem that can arise at this stage is that the lender denies the authenticity of the documents when the credit bureaus contact them to verify that the inquiry was unauthorized, but this is an unlikely scenario.

In the event that the lender doesn't respond to your first letter, or they respond but refuse to provide proof of authorization, you are entitled to take the case to a lawyer. Usually at this point if the lender knows they are in the wrong and they see you know your rights and are not playing games, they will back down.

If they don't, then of course the next step is to follow through and take them to court. Again, as long as you know you are in the right and they can't produce evidence of authorization, most companies will not be willing to go to court to fight a losing battle.

You should also understand that removing credit inquiries is not necessary for all inquiries. No all are going to have a negative effect on your credit score. Most inquiries, such as those required when applying for insurance or a check when you're applying for a job, will have no effect on your credit score. Also keep in mind that inquiries only stay on record for two years, so if the inquiry you want to remove is almost two years old, it may be easier to just allow the time to lapse.

As for removing credit inquiries which are legitimate, you may have to commission a credit repair company or a lawyer to take care of this. But at the end of the day, don't get carried away with trying to remove credit inquiries - they have a relatively small effect compared to other items on your credit record

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