When you apply for a new loan or credit card, the lender checks your credit report to help determine whether or not to issue you an account. Each time this happens, a notation is made on your credit report showing that a lender accessed your credit report. Having several credit inquiries on your credit report in a short period of time can have a negative impact on your credit score and keep you from getting the credit you want. Its likely you want to find a way to erase those credit inquiries quickly. However, eliminating the marks quickly is not as simple as it seems.
Instructions
- 1
Review your credit reports closely. Determine whether each credit inquiry was the result of a credit application you pursued. If you find inquiries that you didnt authorize, make a notation on your credit report.
2Make two lists: inquiries that you authorized and ones you didnt. You will handle these separately.
3Start with the list of unauthorized credit report inquiries. Draft a letter to each of the big three credit-reporting companies (TransUnion, Equifax and Experian) stating that you didnt authorize an inquiry into your credit report and they must remove the fraudulent listing in accordance with the Fair Credit Reporting Act. Close the letter by asking them to send you an updated and corrected credit report within 15 business days.
4Draft a goodwill letter for your valid credit inquiries, kindly asking the credit-reporting agencies to remove the inquiries from your reports. Be sure to include that youre trying to rebuild your credit and that this would help the process. Also ask for a response within a reasonable amount of time, perhaps one month.
5Continue building positive credit in other ways. Credit inquiries can hurt your overall score, but other factors such as payment history and the balance on your accounts count more toward your overall credit score. Make a plan to pay your bills on time and reduce your overall debt and youll soon find that your credit score increases, with or without the credit inquiries on your account.
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ReplyDeleteI have clean report!!! I filed for BK in July 2021, so that is gone. I had several medical collections… and I had one non-medical collection from TSI that I requested removal but didn’t go out. My credit score was lower due to utilization, which I was meant to paid down significantly in the next 3-5 months. Thanks to PINNACLE CREDIT SPECIALIST who came to my rescue on my credit report. This is the first time probably in my life, y’all! My credit score has been screwed up since I came in contact with PINNACLE CREDIT SPECIALIST. I could actually reach 800’s across board. All medical and non-medical collections have been wiped off. You can reach them via: pinnaclecreditspecialist@gmail.com you can also text on +1 585 466 4373. I learned from folks here. Thank y’all sooooo much!!!!!!
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