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Ways of Removing Inquiries from Your Credit Report

At the bottom of your credit report, you will notice that 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. Calculation of your credit score, the length of time between inquiries is usually considered.

Having too many inquiries on your credit report is a way of showing that you are desperately looking for money and that may discourage the creditor thinking that you are in financial problem. The the main question then remains how you can remove the inquiries from your report so that you can increase your credit score. 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. That will enable you to review all the items listing in the credit inquiries location. You will be in a position to look at all the items that are appearing on the credit inquiries segment.

You will need to look at the items one by one, and there are any of the inquiries that you have not authorized, you need to dispute it. You should make sure such items are removed from your report. You can do this using one of the two available options. The first option is to make sure you do it 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. The letter should state that you are not the one who authorized the inquiry and that you want it removed forthwith. 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 need to exercise caution when you are making your choice.

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