The law is on your side when dealing with Creditors, Collections Agencies and Credit Bureaus.
Removing hard inquires from your credit report to raise your score.
- The amount of new credit inquiries account for about 10 % of your credit score calculator.
- Hard inquiries stay on your credit report for 2 years.
- Send letter 1 to the credit bureau to dispute unauthorized inquiries on your credit report.
- Send letter 2 to the credit bureau if you receive no reply or they say the inquiries were “verified” from inquiry letter 1
- Send letter 3 per the Fair Credit Reporting Act allows only authorize inquiries to appear on your report. You can challenge whether the inquiring creditor had proper authorized to pull your credit file. Please keep records and certify them
Update Personal Information Letter
Use this letter before anything else, Removing old Addresses and incorrect information such as variations of your name, social security number, birthdate , telephone numbers and employers could boost your score up a dozen points and increase the chances to remove any negative accounts associated with those addresses. ( a simple trick that will improve your odds of the letters you will submit)
The Loophole to Remove Liens, Judgments and Bankruptcies (Public Records) from your Credit Report
Therefore this is the loophole to getting public records removed, because it is a violation of the Fair Credit Reporting Act to report false information. And claiming they got information from the court when it is actually obtained from a named third party, could easily be considered “false information” on your credit report.
Incomplete or Missing Information
An example is account number reported ACCT # 12345XXXX
Returned Mail Dispute
Sometimes you may mail a letter to a creditor or collection agency, using the address shown on your credit report. If that mail comes back returned as undeliverable, you may have grounds for removal. After all, the credit bureau is not allowed to report anything they know to be false, including addresses in that case you should send the following letter.
Contact Information for Credit Bureaus