Ways of Removing Inquiries from Your Credit Report
At the bottom of your credit report, you will notice that 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. 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. You could, therefore, be asking yourself what to do to make sure you have gotten rid of the inquiries. It is possible for someone to make an inquiry of your credit report without your knowledge, so you need to start by requesting a copy of your credit report. That will enable you to review all the items listing in the credit inquiries location. You will be in a position to look at all the items that are appearing on the credit inquiries segment.
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. It is important to complain and have the items that are not authorized from your report. You can do this 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.
After that you need to send them a letter in the mail and keep a copy as your record. 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.
When you have a credit repair company handling your report, you will not have to keep calling the creditors to have the inquiries removed. When you are choosing the credit repair company to handle your report you need to ensure that you have a reputable company. The state of your credit score report can be compared to the state of 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 the expert, you have to be sure of the training, experience, and reputation. You, therefore, have to choose wisely.