How to Remove Hard Inquiries from Your Credit Report
If you Look At your credit report, you will notice that at the end of the report there is a section called, credit inquiries. The inquiries are as a result of various companies who want to know your credit worthiness to grant you a loan or a credit card. You credit score calculation is also affected by among many other things, the length of time between inquiries.
When there are too many inquiries on your credit report, the creditor may have an impression that you need money so badly and that may be an indication that you are in financial crisis. The question then that could be hanging in your mind right now is how then can you remove or get rid of the inquiries. Since someone can inquire your account without your knowledge, the first thing that you need to do is to ask for a copy of your credit report. You will be able to look at all the items listed on the credit inquiries sector.
It is important to look and he items listed one by one and if you are not the one who has authorized everything you need to ensure you dispute it. You should make sure such items are removed from your report. You have two options that you can use to do that. One of the options is to handle the matter yourself. You need to get the address of all the creditors who inquired on your report without your authorization.
After that you need to send them a letter in the mail and keep a copy as your record. The letter should state that you are not the one who authorized the inquiry and that you want it removed forthwith. when you are scrutinizing your credit report; you may realize that some of the items need to be dealt with, it will be better if you ask an expert to handle your credit repair issues.
When you have a credit repair company handling your report, you will not have to keep calling the creditors to have the inquiries removed. It is very vital to make sure that you choose a reliable company to help you in repairing your credit score report. Your credit score report can be compared with your health.
Just the way you cannot trust your health with someone who you do not know about their expertise, in the same way, you cannot trust just anyone with the state of credit score report. That means when you are choosing which company to repair your report, you have to be sure about their reputation, how well trained they are and how experienced the staff is. You need to exercise caution when you are making your choice.