How To Remove Inquiries From Your Credit Report Within 30 Days

Have you applied for a retail store card? Applied for cards that gives you points or miles? Education or Car loans? All of these requests result in an inquiry on your report. Are all inquiries the same? No, there are two distinct types of inquiries - a soft one and a hard one. The first step to figuring out the types of inquiries on your account is to request a credit report.

The soft inquiries on your credit report do not necessarily hurt your score. But, the hard inquiries mostly do. The hard ones come from credit grantors and collection agencies who are trying to review your credit history. You need to get the addresses of these creditors from the credit bureau because these addresses will be used when you are following up for inquiry removal requests.

Ask The Credit Agency For Documentation

Hard inquiries can be done without your permission. So, thats why you ask for proof that you requested credit thereby authorizing the inquiry. If you had no plans of applying for credit in the first place and the creditors werent authorized by you, then you should make a formal request for them to remove the inquiry from your report. This is important because one of the factors affecting your FICO score is the number of inquiries on your credit report. The more the number of hard inquiries the more likely it seems that you are seeking new credit in the form of cards, loans etc.

Take Any Necessary Legal Action

Within 30 days of receiving your request, the creditor has to provide documentation offering proof that you authorized an inquiry. If the creditor fails to provide such documentation or does not respond at all you can file a lawsuit against the creditors. If you win the case, you can get compensated for financial losses and the inquiry will get removed. Most likely, the creditor will simply remove the inquiry and you will get a clean credit report.