Lesson 1, Topic 1
In Progress

Inquiry Removal

Brayan August 16, 2022

Inquiry Removal 

The only inquiries you can remove are hard inquires. Hard inquiries only damage your credit score temporarily and do not affect your credit score after two years old. Because of this, removing an inquiry is not too important if you have good credit. If you have poor or marginal credit and need to use your credit score right away, you should probably seek removal. 

Reminder: You only want to remove an inquiry on a closed account, unauthorized inquires or denied credit request.  

Inquiry 24 Hour Removal Guide

Often times, inquiries can be removed via phone call to each of the bureaus. Experian is the easiest to remove, whereas Equifax and Transunion will sometimes ask for a letter from your creditors. 

Creating Your Inquiry Letter

After you send out your change of address/personal information letters, wait 7 days to send out your inquiry letters to the credit bureaus. 

Step 1: Send Inquiry Removal Letter 1 to the credit bureau to dispute unauthorized inquiries on your credit report.

Letter 1

Step 2: If the credit bureau does not reply within 30 days or they say the inquiries were “verified” by Inquiry Letter 1, send Inquiry Removal Letter 2.

Letter 2

Step 3: Wait 30 days after you send your inquiry Removal Letter 2 to request the removal of hard Inquiries directly from the creditor. When you send out this letter you are challenged whether the inquiring creditor had proper authorization to pull your credit file. Remember to keep a copy of your files and send the letters as registered mail for the best response.

Letter 3

Due to COVID-19 credit bureaus have 45 days to respond.

They may avoid letters that are not sent by certified mail!