Credit Inquiry Removal Letter Samples

Below are sample credit inquiry removal letters. It needs to be sent by certified mail to each of the three main credit bureaus. Any enclosures should be copies. No original documents should be sent.

Sample 1 - Credit Inquiry Removal Request
Consumer’s Name
Consumer’s Address
City, State, Zip Code
Consumer’s Social Security Number

DATE

Credit Bureau’s Name
Credit Bureau’s Address
City, State, Zip Code

RE: Credit Inquiry Removal Request

Dear Sir/Madam: unless the name of the agent is known

The purpose of this letter is to have several unauthorized credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on DATE and noticed that there are three unauthorized inquiries listed. The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

Item One Name of Company
Item Two Name of Financial Institution
Item Three Name of Credit Union

I have sent letters to these three companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. 

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 

Thank you for your timely attention to this matter. I can be reached at 555-123-4567 or at Name@email.com if you need any further information. 

Sincerely, 
​
Signature of Consumer
Printed Name of Consumer
List of Enclosures

Sample 2 - Credit Inquiry Removal Request
​Consumer’s Name
Consumer’s Address
City, State, Zip Code
Consumer’s Social Security Number

DATE

Credit Bureau’s Name
Credit Bureau’s Address
City, State, Zip Code

RE: Credit Inquiry Removal Request

Dear Sir/Madam: unless the name of the agent is known:

I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On (date of receiving a copy of your credit report) January 10, 20xx, I received a copy of my credit report and became aware of five inquiries that I did not authorize. They are as follows:

1. Name of the Inquiring Company
2. Name of the Inquiring Company
3. Name of the Inquiring Company
4. Name of the Inquiring Company
5. Name of the Inquiring Company

Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report. 

In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed. 

Thank you for your consideration in this matter. Should you need to contact me, my email address is johnsmith@email.com and my telephone number is (000)000-0000. 

Sincerely, 
​
Signature of Consumer
Printed Name of Consumer
List of Enclosures

By Andre Bradley

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