It is important for you to know by now that there are credit inquiries that should not be done, especially for unauthorized persons that is why we present to you this article containing all the things that you have to know regarding how to remove inquires fast. But before we proceed on that part, we will first discuss with you some basic things about credit inquiries that you have to know and understand.
When we say credit inquiry, we are actually referring to a record of any entities who may have viewed the credit reports that you have as well as the time or the instance they do such an act. The one who is responsible for monitoring the viewing of credit reports are the credit reporting agencies and they are being required by the federal government to maintain and concise and precise report regarding this matter for twenty four months. We want you to know as well that when it comes to credit inquiries, there are two primary types of it and these are the soft inquiries which are said to not hurt the credit score of an individual, and the hard inquiries which are known for hurting the credit score of an entity.
To give you a much better understanding about what soft inquiries really are, they pertained to credit inquiries that are requested by authorize sources who want to have a copy of your credit report or perhaps, through a court order. On the other hand, as for hard inquiries, these are inquiries that may be conducted by a person who have acceptable reason on reviewing your credit history like a prospective lender as you are applying for a credit, a loan or probably, a financial assistance.
Yet, please be careful and cautious about those lenders who would still want to view your credit report even if you have not consented them to do so and even if they do not have any valid reason at all. And since we want you to keep your credit score as protected as it can be from lenders who will abuse it, here are some fast credit inquiry removal schemes that you can do.
With regards to this matter, the first thing to do is to send a letter of request to the lender, asking them to show proofs that you have agreed on them viewing your credit report. If the lender cannot show you the proof you are asking from them, they must write a return letter stating how their inquiry was done erroneously but, if they cannot do this as well, it is now time for you to file a complaint against them for violating the FCRA.
If you want to know more how you can remove inquiries, check out this video.