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Removal of Credit Inquiries

Credit Inquiries are used by financial lenders to assess credit risk or deciding whether to extend credit to the borrowers. Credit inquiries reduces your fisco score. The probability of getting money from financial lenders is low when you have a reduced credit score. You can get rid of inquiries from your credit report in time. It does not matter whether there is negative information or not in your account. What matters is the verification of the item.

There are two types of credit inquiry. The first type is the soft inquiry. This type of inquiry does not affect your credit score negatively. For instance, whenever you request a copy of your credit report. Hard inquiry is the next one. The hard inquiries affect your credit scores negatively, and the financial lenders would want to see it. When you have a lot of hard inquiries in your credit inquiry reports; it is hard to get finances from creditors. Removal of credit inquiries will enable you to be given finances without any difficulty.

The first step to start repairing your credit is by going through the credit reports from the three credit bureaus. You should confirm the hard and the soft inquiries. If you find any item that you did not authorize or was incorrectly documented, challenge the reports. Once you have seen the inquiry that is causing you problems, start with writing a dispute letter to remove the negative credit from your report. On receipt of the letter challenging the credit report, the bureau takes action by looking into the item in question. To get the evidence of delivery, use a registered mail to send the letter of dispute to the bureau. The confirmation of the delivered letter will be a legal proof against the bureau if they don’t respond to you in a timely manner. It is the requirement by law that the bureaus must investigate and remove inaccurate or items that cannot be verified.

It is not difficult to learn how to remove credit inquiries. Avoid paying expensively to a company that claim to improve your credit scores by repairing your credit report. With some few learning, you can get your credit card fixed.

If you have difficulties writing a credit dispute letter to remove inquiries from your credit report you can use the internet. You can improve your credit score by downloading a credit repair guide from the internet. You can then remove the credit inquiries by the help of the credit repair guide. Hiring a genuine credit repair company with fair charges can help you fix your credit report. You do not have to contact the creditors all the time when you hire the right credit repair services.

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