I have examined my finances and developed a careful budget that includes payment to each creditor. g If my situation changes, I will contact you immediately. Dear Sir or Madam: Ive recently obtained a copy of my credit report from your agency, and found the following unauthorized inquiries made to my credit report. You can think of your credit report as something like the bushes in your front yard. Each one of these inquiries can take off anywhere from 3 to 7 points off your credit score, which can add up. What a mess. In addition, please do not allow credit issuers to prescreen my credit file for credit offers. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. Please see the attached copy of the credit report with these item numbers written next to the problem entries as well as a copy of my court documents which lists the creditors included in my bankruptcy. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1: USC 1692g Sec 809 (b) that your claim that I owe you money is disputed, and validation is requested. http://www.CreditRestorationTools.com/hard-inquiry | Watch video to get Free Access to the #1 Rated Hard Inquiry Removal Letter. FCIR has been the premiere choice for affordable and trusted credit repair services. Description Reviews (0) Description. I have a question: I have a discrepancy on my credit report. Upon your approval, I will immediately remit my first reduced payment. WRITING A REMOVAL LETTER. My income barely covers my living expenses, and I have no assets to sell in order to pay you or my other creditors. The first inquiry in question was apparently made by Company X on May 2nd, 2016 and I have no recollection of doing any business with Company X. I contacted Company X, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. Housing Status (rent or own); 4. Sincerely, Bruce Smith Address City, State, Zip Social Security # [Letter #10] [Date] Credit Reporting Agency/Bureau City, State, Zip RE: CONSUMER STATEMENT TO MAKE CREDIT FILE COMPLETE To Whom It May Concern: According to the Fair Credit Reporting Act, 611(b) [USC 15 1681i(b)], I am entitled to enter a consumer statement in my credit report so that the information is complete and the credit reporting process is fair and equitable to me. Best Goodwill Removal Letter for a Credit Inquiry Generally, when you request credit, a potential lender will make a hard pull on your credit file, which will be recorded as a credit inquiry. Once youve taken the appropriate actions with any lenders that accidentally found their way onto your credit report, your next step is to write a letter to each credit bureau reporting the bad inquiries. You may want to enclose a The answer is, yes you have 45 days to get as many inquires as you want, and it only counts as one inquiry TOWARDS YOUR SCORE. Equifax has a pretty comprehensive list of the types of third parties that may have permissible purpose to access your credit report as part of a hard or soft inquiry. Thank you for your assistance. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [15 USC 1681I]. RE: Credit Inquiry Removal Request. Attempt to eliminate them. Social Security Number (SS I have called the leasing office and corporate and no one is willing to help me resolve this but to pay the amount that is so-called owed. Debt validation includes the following: Who was the original creditor on this account, and what was the account number? They will know you are searching for approvals and/or comparing rates. Or I am victim of identity theft and have attached a copy of the investigative report from my local law enforcement agency. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. He owns and operates a successful Real Estate Investment firm, and he enjoys spending time with his wife and three children in Hartford, CT. However, you do need to clean it up and monitor it from time to time. According to the provisions of Section 612 (b) [15 USC 1681j (b)], there should be no charge for this information. Thank you. J When writing a formal or company letter, presentation style and also style is vital making a good first perception. (Utility bill will suffice). I have an old inquiry on Experian. BUT ALL the inquires will show on your report, therefore hurting you when you apply for credit somewhere later. Prior to me moving out, the condo I was moving into had to call the leasing office for rental history and move out date verification. Trans Union P. O. My date of birth is [date of birth]. For instance, if you are shopping around for auto loans, the credit bureaus will typically be able to deduce that you are in the market for a loan. SKU: CWMIR Category: Misc Tag: Multiple Inquiry Removal Letter. [Explain situation including name and telephone numbers of people you have spoken to] Over the past several months, I have tried to resolve this issue, but to no avail. I a m a l s o r e q u e s t i n g a n u p d a t e d c o p y o f m y c r e d i t r e p o r t , w h i c h s h o u l d b e s e n t t o t h e a d d r e s s l i s t e d b e l o w . I would recommend doing what I did and consult with a reputable credit repair company. During this modification period, I respectfully ask that you do not report my payments as late to the credit reporting repositories. John Smith 123 Oak Street City, State 12345 SSN# 123-45-6789. If you follow that simple piece of advice, your happy and healthy credit score will thank you for it. Letter Requesting Removal of Credit Inquiry from Credit Report. Thank you. My social security number is [social security number]. The reasons why these items should be correcte d a r e i n d i c a t e d b e l o w : I t e m # R e a s o n f o r C o r r e c t i o n A c c o r d i n g t o t h e p r o v i s i o n s o f t h e F a i r C r e d i t R e p o r t i n g A c t ' 6 1 1 ( a ) [ 1 5 U S C 1 6 8 1 i ( a ) ] , t h e s e d i s p u t e d i t e m s m u s t b e r e i n v e s t i g a t e d o r d e l e t e d f r o m m y c r e d i t r e c o r d w i t h i n 3 0 d a y s . If you have any questions, please contact me at the address listed below. I f y o u h a v e a n y q u e s t i o n s o r n e e d a d d i t i o n a l i n f o r m a t i o n , p l e a s e c o n t a c t m e a t a d d r e s s n o t e d b e l o w .