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 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.
Having too many inquiries on your credit report is a way of showing that you are desperately looking for money and that may discourage the creditor thinking that you are in financial problem. The the main question then remains how you can remove the inquiries from your report so that you can increase your credit score. 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. 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 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 can do this using one of the two available options. One of the options is to handle the matter 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. You need to ensure you have a reputable company to handle your credit score report. Your credit score report is as important as 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 that you have to think about training, experience, and reputation of the company you choose to handle your credit score report. You, therefore, have to choose wisely.