A Dummies’ Guide to Credit Report Inquiries Removal

How to Remove Credit Inquiries: A Step by Step Guide
October 26, 2017
6 Things That Boost Your Credit Score
November 1, 2017

A Dummies’ Guide to Credit Report Inquiries Removal

Boost Your Credit Score – A Dummies’ Guide to Credit Report Inquiries Removal

Sometimes you may be doing everything in your power to make sure good credit score ratings for a dependable loan with low interest, but still, your FICO numbers do not add up. Inquiries on your credit report are one of the many reasons why people’s credit score ratings have remained impossibly low while paying their dues on time and maintaining their finances in proper order.

Depending on factors such as age and educational attainment and other items listed in your report history, a bulk of inquiries on your credit report hurt your credit score by a wide and uncertain range of scores. Here’s how to go about hard inquiry credit report removal.

Dummies Guide to Credit Report Inquiries Removal

Dummies Guide to Credit Report Inquiries Removal

Soft Inquiry vs. Hard Inquiry

The first step once you have received a copy of your report is to identify which among the credit inquiries you should have removed. Inquiries come from all types of people and have many purposes. When you ask for a copy of your credit profile, this already actually constitutes an inquiry. The important thing to remember on how to remove inquiries from a credit report, therefore, is to recognize the distinction between soft inquiries which do not damage your credit score rating, and hard inquiries which do.

Examples of hard inquiries include those from debt collection agencies and credit granters who wish to review your credit history. Make sure that your approval is always attached to those requesting hard inquiries as they lower your credit score. It is also important to ask for the addresses of the creditors from the credit bureau because these addresses will be used for you to follow up on removal requests by sending credit bureau inquiry removal letters.

Ask for Documentation

Not all hard inquiries have your permission, in fact, so be sure to ask for documentation. If you’re presented with a paper with your signature and which you did not understand to have included rights to make inquiries on your credit report; write to the creditors and ask them fast inquiry removal from your credit report. FICO logic works by assuming that too many hard inquiries on your credit report are your personal and deliberate attempts to try to get more credit cards. Creditors naturally do not want people who claim more credit than they can manage, and hence multiple hard inquiries which are often done by creditors you did not solicit are damaging to your credit ratings.

Legal Action

If a creditor fails to respond to your credit card inquiry removal letter, especially after 30 days and is not able to provide proof of your authorization, you may proceed to use legal measures to get those unauthorized hard inquires out of the way. When dealing with how to remove inquiries from your credit report, a lawsuit against creditors who do not comply with your request can in fact land as much as a thousand dollars for their actions, and aside from your new-found money, they will be forced to remove their inquiries. Of course, in most cases, the creditors will simply remove the inquiries, and you are left with a better credit report.

Seek Professional Help

When you enroll for the best credit score inquiry removal service, you’re allowing experienced pros in the industry to work with financial institutions on your behalf. Not only does their guaranteed credit inquiry removal service help improve your credit score, but It also aids you in resolving major financial issues.

Are you tired of paying higher interest APR? Do you want to join those lucky few who get the best rates? Visit https://www.fastcreditinquiryremoval.com to learn more.