Ways of Removing Inquiries from Your Credit Report
If you Look At your credit report, you will notice that at the end of the report there is a section called, credit inquiries. The inquiries are as a result of various companies who want to know your credit worthiness to grant you a loan or a credit card. The calculation of your credit score is affected by among others, the length of between inquiries.
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. You could, therefore, be asking yourself what to do to make sure you have gotten rid of the inquiries. Since someone can inquire your account without your knowledge, the first thing that you need to do is to ask for 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 tick through the items one by one and see whether you agree with all the items or not and if there is something you have not authorized, you need to dispute it. It is important to complain and have the items that are not authorized from your report. You have two options that you can use to do that. One of the options is to handle the matter yourself. You need the address of all the creditors who have made their inquiries with your express authority.
Write to all the creditors that enquired making sure you keep a copy of what you send to them. In that letter, you should state that you did not authorize the inquiry and you want it removed immediately. If you realize there are other items on your credit report that need to be removed; you may require the expertise of a credit repair company.
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. Your credit score report can be compared with 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 when you are choosing the expert, you have to be sure of the training, experience, and reputation. You, therefore, have to choose wisely.