How to Delete Inquiries in a Credit Report Dispute Letter

The Fair Credit Reporting Act requires creditors to report complete and accurate information to the three credit bureaus: TransUnion, Equifax and Experian. The Federal Trade Commission requires the three credit bureaus to provide a consumer with a free copy of his credit report each year. Any consumer who finds inaccurate information has the legal right to dispute this, and if the creditor cannot verify the information or does not correct it, the account is removed from your credit file. A dispute is often handled by writing a dispute letter.

Instructions

1

Review your credit report, and circle or highlight the credit inquiries that you did not authorize and wish to dispute. A credit inquiry is listed on your credit report each time a potential lender requests your credit report. You can include any additional incorrect information found on your credit report in the same dispute letter.

2

Write a brief letter explaining that you have found inquiries that you did not authorize in your credit report and would like the inquiries removed. List each inquiry, and include the name of the creditor and date of inquiry.

3

Locate the dispute address listed in the credit report. Mail the letter to this address. Mailing the letter "certified, return receipt requested," provides you with the date the letter was accepted and proof of receipt.

4

Allow 40 days for the credit bureau to investigate and mail you a response. Redispute if necessary.