How to remove inquiries from your credit report

0

Concrete requests can be deleted if they belong to one or more of the following categories:

  • Unsolicited or unrecognized inquiries
  • Fraud
  • Identity theft
  • Unfair penalty
  • Creditors’ errors
  • Legitimate surveys you want to remove

Note that if you have a request that you authorized, you cannot remove it from your credit report.

When reviewing your credit report, if you spot a request that is in error, that you did not authorize, or that you simply do not recognize, it is important to take steps to remove it, especially if you suspect fraud.

To remove an inaccurate or erroneous survey, you can file a dispute with each of the credit bureaus. To do this, you will need to gather your personal information such as your driver’s license, social security number, date of birth, bank statements, and current address (including those from the past two years).

Additionally (as applicable), you may need to have Federal Trade Commission documents to corroborate your claims if you suspect fraud.

If any of these steps are beyond you, the option of working with a credit repair agency is still open to you. So while inquiries are not the entire basis of your credit score, they nonetheless play an important role and should not be ignored.


Source link

Share.

Leave A Reply