Useful Tips That Will Greatly Help You When Removing Your Credit Inquiries Successfully
It is important for you to know by now that there are credit inquiries that should not be done, especially for unauthorized persons that is why we present to you this article containing all the things that you have to know regarding how to remove inquires fast. Yet, we will not proceed immediately on tackling about removing credit inquiries as we see the need for you to first know and understand what credit inquiries are and several things that surrounds it.
Speaking of credit inquiries, one thing that we want you to know about it is that they pertain to a record of any entities who may have viewed the credit reports intended for you and also, when was the viewing done. It is the job of the credit reporting companies to monitor the inquiries made by various entities on particular credit reports and according to the mandate released by the federal government, they are asked to keep a precise and detailed record of every inquiries they monitored for twenty four months. With regards to credit inquiries, you should know as well that there are two types of them which are the soft inquiries (inquires that do not hurt the credit score of a person) and the hard inquiries (inquiries that causes damage to it).
In other words, when we say soft inquiries, we are actually referring to credit inquiries that are released through a court order or probably, from a request coming from an authorized sources who wants to grab hold a copy of the credit report that you have. On the other hand, as for hard inquiries, these are inquiries that may be conducted by a person who have acceptable reason on reviewing your credit history like a prospective lender as you are applying for a credit, a loan or probably, a financial assistance.
Yet, please be careful and cautious about those lenders who would still want to view your credit report even if you have not consented them to do so and even if they do not have any valid reason at all. And since we want you to keep your credit score as protected as it can be from lenders who will abuse it, here are some fast credit inquiry removal schemes that you can do.
With regards to this matter, the first thing to do is to send a letter of request to the lender, asking them to show proofs that you have agreed on them viewing your credit report. Once they cannot give you the proof you asked them for, you must ask them to send a letter stating the their inquiry was made erroneously and if they cannot do this, you may sue them for violating the FCRA.
If you want to know more how you can remove inquiries, check out this video.