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How To Remove Inquiries From Your Credit Report For Free!!

Updated on April 20, 2012

Did you know that most inquiries that have been placed on your credit report are illegal? These are unauthorized Inquiries that can easily be removed and your credit score will raise within 3 to 6 months. There are lots of credit repair companies out there charging anywhere between $300 to $1400 dollars to remove inquires for you. These companies are doing a service you can do for yourself for a small amount of pocket change. Your first step is pulling your credit report, and as you may know there is really no such thing as a free credit report. These free credit score companies claiming to be free are not really free. Some have a seven day trial period and you have to use a debit or credit card to receive the free seven days. If you cancel your memebership within the seven days your credit card will not be billed, if you do not cancel, your debit or credit card will be charged $14.99. Second Step, You want to send each creditor a letter asking them to remove the inquiry from your credit report, here is a sample letter you can use to issue to each company.


EXAMPLE LETTER

[Your Full Name]
[Current Address]

RE: Unauthorized Credit Inquiry

To Whom It May Concern,

This letter is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from {insert Credit bureau name}, I noticed an inquiry made by your organization.

The details of the inquiry are as follows:

Line number: [Line Number]
Inquiry made on: [Inquiry Date]
Inquiry made by: [Creditor]

To the best of my knowledge I have not approved your organization, any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied.

If you believe that you possess sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.

I am using certified mail to ensure that you receive this letter and expect a prompt response.

Regards,

[Full Name]

Third Step You want to send each inquiry letter by certified mail, this may cost $2 to $3 dollars per letter. Within 3 months those negative credit inquiries will start being removed and your credit score will raise. This is the same process these credit repair companies are using to get your credit score higher and charging you hundreds to thousands of dollars to do it. These simple steps can boost your credit score for a fraction of the cost, don't let bad credit stand between you and your new dream home or second car, get the credit boost you deserve.

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      Jonathan 5 years ago

      Hi, there! Can I also use this letter even if I had knowledge of the inquiry and authorized it?

    • cherrycrime26 profile image
      Author

      January Moon 5 years ago from NY, Now Living in Atlanta Ga

      @Jonathan If you signed a letter saying it was ok for the company to access your credit report and put negative inquiries on it due to failure to pay, then no you can not use the letter, I guess there getting trickier these days :-)

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      may 5 years ago

      HI, Can I use these letter to send to the company to remove my inquiry? I authorized one car dealer to run my credit and this car dealer let 6 banks run my credit and report it in my credit score, will that help because I did authorize all 6 banks I only authorized the car dealer? Pls advice. Thank you.

    • cherrycrime26 profile image
      Author

      January Moon 5 years ago from NY, Now Living in Atlanta Ga

      @May When you go to a car dealership they give your info to as many banks as possible to ensure they sell you a car, they don't care about your score decreasing, they just care a out making a sale, yes you can use the letters because in this case you only gave the car dealership pre8

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      May 5 years ago

      Thank you so much for your reply, I really appreciate it.

    • profile image

      May 5 years ago

      One more question do I have to send it to the Credit Reporting Agency or to the bank that run my credit? Please let me know. Thanks.

    • cherrycrime26 profile image
      Author

      January Moon 5 years ago from NY, Now Living in Atlanta Ga

      @May You send it to the individual banks that ran your credit, your welcome.

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      margaret 5 years ago

      can you please tell me what a line number is i'm tring to find that on my credit file....

    • profile image

      how to get 3 credit report 4 years ago

      You posting are wonderful and informative.

    • cherrycrime26 profile image
      Author

      January Moon 4 years ago from NY, Now Living in Atlanta Ga

      Your welcome :-)

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      Veniel 4 years ago

      should i put mane on the letter only

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      Tiffany 4 years ago

      How can I raise my credit score after a bankruptcy chapter 7 has been discharged? I recently opened a car loan and a Capital 1 with a credit limit of $200.

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