The Ultimate Guide to Credit

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. Calculation of your credit score, the length of time between inquiries is usually considered.

Having too many inquiries in your credit report may be an indication that you are desperate for money and that may indicate financial trouble. You could, therefore, be asking yourself what to do to make sure you have gotten rid of the inquiries. Because some of the inquiries are done without your permission, the first thing you can do is to request 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 you have pinpointed those items to be removed from your report. You can make this possible using one of the two available options. One of the options is to decide to deal with the issue yourself. You need to get the address of all the creditors who inquired on your report without your authorization.

Write to all the creditors that enquired making sure you keep a copy of what you send to them. In that letter, you should state that you did not authorize the inquiry and you want it removed immediately. If during your scrutiny you notice other negative items on your credit report, and you think they need to be dealt with, the best thing is to hire an expert credit repair company.

The best thing about a credit repair company is that you will not have to keep calling the creditors so that they can remove the inquiries. 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 is as important as your health.

Since you cannot let some you arent sure of, handle your health matters, the same way you cannot give just anyone handles your credit score report to repair it. 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, therefore, have to choose wisely.

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