Ways of Removing 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 made various companies who may have wanted to know whether they can give you a loan or a credit card. The calculation of your credit score is affected by among others, the length of between inquiries.

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. 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 tick through the items one by one and see whether you agree with all the items or not and if there is something you have not authorized, you need to dispute it. You should make sure you have pinpointed those items to be removed from your report. You have two options that you can use to do that. The first option is to make sure you do it yourself. You need the address of all the creditors who have made their inquiries with your express authority.

The other thing you need to do is to send a letter to those creditors through the mail and keep in your record a copy of what you have sent them. In that letter, you should state that you did not authorize the inquiry and you want it removed immediately. If you realize there are other items on your credit report that need to be removed; you may require the expertise of a credit repair company.

one the thing that the credit repair company will do is to ease you the burden of dealing with the creditors trying to make them 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 can be compared with 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. Make a wise decision.

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