Submitted by Naomi M on Mon, 09/24/2007 - 17:05.
<Your name and address>
<Collection agency name and address>
<Date>
Re: Unauthorized Credit Inquiry
To whom it may concern:
According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.
The Fair Credit Reporting Act requires that a creditor by able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a siged authorization cannot be found, please remove the inquiry from the three main credit bureaus, Experian, TransUnion and Equifax.
The presence of this inquire is adversely affecting my credit report and is impeding my ability to obtain necessary credit. This is of the essence so I would greatly appreciate a response within thirty (30) days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Sincerely,
<Your signature>
<Print your name here>
<Your SSN here>
Sample Credit Repair Deletion Letter No. 1 | Remove Inquiry by Creditor
|
Review My Recommended
Credit Repair Guides
|
| Legally
Remove Derogatory Accounts bankruptcies, slow pays, collections, tax liens, judgments, evictions, etc See Credit Secrets Bible |
| Sample
Dispute or Deletion Letters that don’t get “red flagged” like 94% of what the credit bureaus get. Info not found in any other course See Credit Secrets Bible |
| Overwhelmed
with Debt Use 5 unique letters to pay off bills for 35-cents on the dollar. Avoid BK, avoid hiring a debt consolidation service See Credit Secrets Bible |
| Sue
Your Creditors Use the Law. Get even with stubborn creditors, collection agencies. Collect $1,000s in fines Good Credit Is Sexy |
| Get
Rid of Debt Collectors Add Seasoned Credit in 45 Days STOP Foreclosure or recover a home after foreclosure See Credit Secrets Bible |
| The content of
this letter is actually pretty good
However, what type of inquiry are you disputing? A “soft inquiry” or a “hard inquiry?” Do you need to be concerned about both types or not? Another issue is what to do if the creditor or collector does not respond and remove the inquiry? What do you do next? What’s your leverage? You would know the answer to these questions and get step-by-step instruction if you had the The Credit Secrets Bible. |
<Your name and address>
<Collection agency name and address>
<Date>
Re: Unauthorized Credit Inquiry
To whom it may concern:
According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.
The Fair Credit Reporting Act requires that a creditor by able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a siged authorization cannot be found, please remove the inquiry from the three main credit bureaus, Experian, TransUnion and Equifax.
The presence of this inquire is adversely affecting my credit report and is impeding my ability to obtain necessary credit. This is of the essence so I would greatly appreciate a response within thirty (30) days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Sincerely,
<Your signature>
<Print your name here>
<Your SSN here>
Commercial Property Purchase for your business operation - buy with just 10% down payment
