Credit Issues: What You Need to Know

The Credit Report Dispute Process

To dispute inquiries you need to write directly to the creditor. Credit reporting agencies are not required to remove this information, so don't bother. Send a certified or registered letter to the creditor and ask for removal.

Here's an example of what to write. Dear Creditor: In a recent review of my credit reports I discovered an inquiry from your company. I do not recall authorizing you to review my credit. Accordingly, I would like to be sent proof that I initiated or requested for you to review my credit. Please respond at your earliest convenience. Based on the Fair Credit Reporting Act, I must have authorized you to review my credit with written permission. Please forward a copy of that written authorization. If you are unable to provide me with proof or do not retain records of such authorization, please promptly remove the inquiry from my credit report (name which credit bureau) and send me written confirmation of the removal. Thank you for your timely reply. Sincerely, Your Name