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The ways to remove credit inquiries

A credit card inquiry is a record of any inquest made on your credit report by any entity. However, as per to the rules and regulations, a credit reporting agency has to maintain a record of these investigations for at least for 24 months.

The inquiries are of two types:

Soft inquiries do not hurt your credit score. It includes:

  • Investigations made through a court order or a personal level request for a copy of your report.
  • It also includes investigations made when applying for a job, home loan and auto insurance
  • Inquest with the purpose of account management

Hard inquiries

These are made by someone with permissible purpose to review your credit such as a prospective lender because you might have applied for a loan or any kind of financial assistance.

However, there will be lenders who will seek to view your credit report without any such purpose and your permission. These unauthorized investigations affect your score considerably. So, therefore, it is must to get them removed.

You can take certain measures like:

  • Send a letter to the lender requesting them to present a proof of your permission to review your credit report.
  • If they do not have a proof of it, send them a letter stating that the inquest was made erroneously.
  • If they do not take any action despite all this, explain them that they will be sued for violating the FCRA.
  • If the lender does not respond within 30 days, seek a counsel help immediately. Your lawyer will send them a forceful letter stating that if they fail to response, a strict action will be taken against them in the court.

However, if you get a positive response, make three copies of it and send them to each credit reporting agency. These agencies will verify the letter first and then remove the inquiry, and send you a copy of it.

If at any moment, you think you need professional assistance, you can resort to Credit restoration companies. You can look for them online or get their contact details from local directories. Choose the one that is experienced, reputable and reliable. Make sure you do not fall prey to fraud firms that use illicit methods to remove the inquiry.

For credit card inquiry removal services, get in touch with 700FICO Club. Get in touch with us for more details or email us your queries. We will be happy to help you.