Creditor - Remove Inquiry Letter to Creditor

If creditors and other businesses have made “unauthorized hard inquiries” into your personal credit history, you should send them a letter demanding they cease checking your credit profile and immediately contact the credit reporting agencies to remove their unauthorized inquiries from your credit reports.

Many businesses have a permissible purpose or legitimate business reason for requesting your credit profiles, and when they do, these “authorized soft inquiries” appear and usually remain on your credit reports for 1 to 2 years and DO NOT hurt your credit score. On the other hand, unauthorized hard inquires DO lower credit scores. (See more on unauthorized inquiries)

You are welcome to copy and paste any of the free sample letters displayed throughout this site. If you’d like an electronic copy of any letter, submit the FREE Request Form 

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Free Sample Letter to get unauthorized hard credit inquiries removed from your personal credit reports!

Today’s Date

Your Full Name
Current Address
Current Phone Number

Attention: {Creditor’s Name}
Credit Department
Creditor’s Address

Dear {Creditor’s Name}

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed.  Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed:

Line Item {insert number}:

Made by: {insert name of company or person making the inquiry

Made on: {insert date of inquiry}

Made with: {insert name of credit reporting agency}

To my knowledge, I have not signed any documents authorizing your organization to view my credit history; therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request you send a copy of the document to my address listed above so that I may verify its validity. Given the amount of identity theft, I’m sure you’ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Thank you for your cooperation. If there are questions regarding this matter, you can reach me at (insert phone number and area code).

Sincerely,

Signature
Printed Name