Well checked my credit report today as I do on a regular basis.  Found several inquiries on my report from those companies that like to send out un-solicited credit offers.  Many do not realize it but the more inquiries you have on your report the lower your credit score.  You can stop these inquires by sending a letter for Removal of unauthorized inquiry.  Here is a sample letter you can send out to these companies. Make sure you use certified mail to send these letters.

jt

{Insert your full name}
{Insert your current address}
{Insert your current phone number}

RE: Unauthorized credit inquiry

Dear {Insert creditor’s Name},

Kindly note that while checking my personal credit report which I acquired from {insert Credit bureau name}, I noticed an inquiry made by your organization.

The details of the inquiry are as follows:

Line number: {Insert line number}
Inquiry made on: {Insert inquiry date}
Inquiry made by: {Insert name of the company or the person making the inquiry}

Since I have not approved your organization or any person associated with to the best of my knowledge, you are not legally entitled to make the inquiry. Hence, I request you to contact the concerned credit bureau and the credit reporting agencies and remove the unauthorized hard inquiry with immediate effect as it violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. I also request you to remove my personal information from your records after removing the unauthorized inquiry from my credit profiles. Please send me a written confirmation that you have kept my requests.

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please be kind enough to forward me a copy of the same at my current address so that I may verify its validity.

I am using certified mail to ensure that you receive this letter and send me prompt response.

Thanking you in anticipation,

{Insert your full name}

• Don’t sign up for those ridiculous offers to let you see your credit report for free!  You don’t have to do that.  Just go to Annualcreditreport.com   You are entitled to see your free credit reports there without signing up for any programs.

jt

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jt