How to Remove Hard 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. They are inquiries made by companies that that may have requested your credit report when they want to judge your creditworthiness to enable them to determine whether they will give a credit card or loan or they will decline your request. Calculation of your credit score, the length of time between inquiries is usually considered.
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. 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. 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. It is important to complain and have the items that are not authorized from your report. You can make this possible 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. The letter should state that you are not the one who authorized the inquiry and that you want it removed forthwith. when you are scrutinizing your credit report; you may realize that some of the items need to be dealt with, it will be better if you ask an expert to handle your credit repair issues.
When you have a credit repair company handling your report, you will not have to keep calling the creditors to have the inquiries removed. You need to ensure you have a reputable company to handle 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. You need to exercise caution when you are making your choice.