An unauthorized credit inquiry can hurt your credit score. It happens when a lender checks your credit without your permission. A “Sample Letter To Remove Unauthorized Credit Inquiry” helps fix this. Use it when you spot an inquiry you didn’t authorize.
Need to write such a letter? Don’t worry, we’ve got you covered. This article is packed with ready-to-use samples. Think of them as your cheat sheet to crafting the perfect letter.
We’ll provide different examples and templates. Tailor them to your specific situation. Get ready to boost your credit score and protect your financial health!
Sample Letter To Remove Unauthorized Credit Inquiry
[Your Name]
[Your Address]
[Your City, State, Zip Code]
[Your Email Address]
[Your Phone Number]
[Date]
[Credit Bureau Name]
[Credit Bureau Address]
[Credit Bureau City, State, Zip Code]
Subject: Request to Remove Unauthorized Credit Inquiry
Dear [Credit Bureau Name],
I am writing to request the removal of an unauthorized credit inquiry from my credit report. I recently reviewed my credit report and noticed an inquiry from [Company Name] on [Date of Inquiry]. I did not authorize this inquiry and have no prior or current relationship with this company.
This unauthorized inquiry is negatively impacting my credit score. I request that you investigate this matter and remove the inquiry immediately.
My personal information is as follows:
* Full Name: [Your Full Name]
* Date of Birth: [Your Date of Birth]
* Social Security Number: [Your Social Security Number]
* Current Address: [Your Current Address]
I have attached a copy of my credit report highlighting the unauthorized inquiry. I have also attached a copy of my [Driver’s License/Government Issued ID] for verification purposes.
Please notify me in writing once the inquiry has been removed.
Thank you for your time and attention to this matter.
Sincerely,
[Your Signature]
[Your Typed Name]
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How to Write Letter To Remove Unauthorized Credit Inquiry
Heading: Crafting a Compelling Subject Line
- Begin with a subject line that is both perspicacious and direct. Something like: “Dispute Unauthorized Credit Inquiry – [Your Name] – [Date]” will often suffice.
- A clear subject line ensures your letter is promptly addressed and not relegated to the periphery.
Salutation: Addressing the Right Authority
- Start with a formal salutation. “To Whom It May Concern” might seem fitting, but identifying and addressing a specific person is preferable.
- If you can ascertain the name of the compliance officer or the individual responsible for credit disputes, utilize it. “Dear Mr./Ms. [Last Name],” lends a more personalized and authoritative touch.
Paragraph 1: Asserting Your Position
- In the inaugural paragraph, unequivocally state that you are disputing an unauthorized credit inquiry.
- Provide your full name, address, and the last four digits of your Social Security number for identification purposes.
- Clearly indicate the name of the creditor or company that initiated the questionable inquiry, as well as the date it appeared on your credit report.
- Be assertive but measured; avoid accusatory language that could be counterproductive.
Paragraph 2: Detailing the Lack of Authorization
- This is where you elucidate why the credit inquiry is unauthorized. Be explicit.
- State firmly that you did not grant permission for the inquiry and have no record of applying for credit with the mentioned entity.
- If you suspect identity theft, mention this explicitly. Providing context bolsters your claim.
Paragraph 3: Demanding Rectification
- In this section, explicitly demand the credit bureau to expunge the unauthorized inquiry from your credit report.
- Reference the Fair Credit Reporting Act (FCRA), which grants you the right to dispute inaccurate information.
- Cite the specific section of the FCRA if known; this demonstrates your familiarity with your rights.
Supporting Documentation: Fortifying Your Claim
- While not always mandatory, including supporting documentation can expedite the resolution process.
- A copy of your driver’s license or a utility bill can verify your identity and address.
- If you’ve filed a police report for identity theft, include a copy.
- Ensure all documents are legible and pertinent to your claim.
Closing: A Professional Denouement
- Conclude with a professional closing, such as “Sincerely” or “Respectfully.”
- Include your full name, signature, and a phone number where you can be reached.
- State a reasonable timeframe for a response. Typically, 30 days is considered appropriate.
- Maintain a copy of the letter and any supporting documentation for your records. Follow up if you don’t receive a timely response.
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Frequently Asked Questions: Removing Unauthorized Credit Inquiries
Unauthorized credit inquiries can negatively impact your credit score. This FAQ section provides guidance on understanding and disputing these inquiries.
What is an unauthorized credit inquiry?
An unauthorized credit inquiry occurs when a company checks your credit report without your permission or a legitimate need, such as a loan application.
Why are unauthorized credit inquiries harmful?
Too many inquiries can lower your credit score, as they may suggest you are seeking excessive credit.
How do I find unauthorized inquiries on my credit report?
Obtain copies of your credit reports from Equifax, Experian, and TransUnion. Review the inquiry section for unfamiliar names.
What information should I include in my dispute letter?
Include your full name, address, date of birth, Social Security number, a copy of your driver’s license or government-issued ID, a copy of a utility bill, the name of the company that made the unauthorized inquiry, and a clear statement requesting its removal.
Where should I send my dispute letter?
Send your dispute letter to both the credit bureau that listed the inquiry and the company that made the unauthorized inquiry.