How to Remove Hard Inquiries from Your Credit Report
All credit reports have at the bottom of a section known as the 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.
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. 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 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. The first option is to make sure you do it yourself. You need to get the address of all the creditors who inquired on your report without your authorization.
Write to all the creditors that enquired making sure you keep a copy of what you send to 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.
The best thing about a credit repair company is that you will not have to keep calling the creditors so that they can remove the inquiries. It is very vital to make sure that you choose a reliable company to help you in repairing your credit score report. The state of your credit score report can be compared to the state of your health.
In the same manner that you can not let inexperienced people handle your health, in the same manner, you cannot let those who are inexperienced to repair your 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.