Find Out The Ways On How To Effectively Remove Credit Inquiries
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. However, there are still things that you should know and understand regarding credit inquiries so, before we proceed on presenting you the ways on how you can remove credit inquiries fast, we will have a brief discussion about it first.
When we say credit inquiry, we are actually referring to a record of any entities who may have viewed the credit reports that you have as well as the time or the instance they do such an act. If you are wondering why might be the one to monitor the inquiries done by outside entities on credit reports, well, we’ll have you know that it is the job of credit reporting agencies and talking about them, they are tasked by the federal government to keep a report that is detailed and concise regarding all the inquiries they can find 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).
As what we have mentioned above, soft inquiries are the kind of inquiries that do not hurt the credit score of a person which means that these are those inquiries that are request through court order or from an authorize source who wants to have a copy of your credit report. Meanwhile, when it comes to hard inquiries, we want you to know that this is an act conducted by someone who have an acceptable reason on viewing your credit history such as a prospective lender since you are applying for financial assistance, a credit or even a loan.
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. In order for you to protect the points on your credit score from being taken away from you, we will present here in this article some fast inquiry removal schemes that will help you with your cause.
The very first thing that you have to do regarding this matter is to send them a letter of request asking them to show proof that you have consented them to view 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.
Check out inquiries removal video online to know more about this.