How to remove credit inquiries from your report
Written by richard scott

When you make an application for credit, usually a creditor would like to look up your report to check whether you are a good borrower or not. It becomes an entry on your credit report and may have an impact on your score. Not all credit enquiries appear on your credit report. Hard inquiries or those made because of your application for credit are the ones that affect your score. If you pull your report or if there are other businesses who might check your report before they can offer you their products and services, it becomes a soft enquiry and does not affect your score anymore.

How do credit inquiries affect your score?
When there is an inquiry on your report, it is meant to assess your risk as a borrower. If there are too many of such enquiries, it would mean that you are seeking too much debt and it may indicate that you may be in some kind of financial trouble. This can reduce your credit score.

However, based on the information on your report, further inquiry might not lower your score. Again, if your credit history is short and you have fewer accounts, an extra inquiry might cause your score to drop slightly. Credit enquiries remain on your report for 2 years and the more recent the inquiry the most it affects your score.

How can you remove credit enquiries?
Check your credit report and look for inquiries that are within the time frame of 2 years or older because the credit bureaus will only remove credit enquiries that are within this time frame. Here are 3 simple steps you can follow to remove credit enquiries:

Write a letter to the credit bureaus providing your name, the date and your social security number. Mention the company that made the inquiry and describe about them a little. Mention in your letter that the inquiry is 2 years or more than 2 years old and ask them to have it removed. You may include all inquiries that fit the criteria in this letter. However, just so that they do not get confused, you may separate each inquiry.

You may make several copies of your request and send it to the credit bureaus just to make sure your request reaches its destination. Give them some time, maybe 30 - 60 days and then you will find the inquiry missing from your report.

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About The Author:

Richard Scott is a financial writer and an active participant in the Creditmagic community. Through the credit forums he helps people in finding out ways to improve their credit scores and shares the most latest updates in the credit Industry. With his in-depth knowledge and vast experience, he has made a profound impact through writing and advising on all credit issues and has presented useful tips on credit repair as well.