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Ways of Removing Inquiries from Your Credit Report

If you Look At your credit report, you will notice that at the end of the report there is a section called, credit inquiries. They are inquiries made by companies that that may have requested your credit report when they want to judge your creditworthiness to enable them to determine whether they will give a credit card or loan or they will decline your request. The calculation of your credit score is affected by among others, the length of between inquiries.

Having too many inquiries in your credit report may be an indication that you are desperate for money and that may indicate financial trouble. The question then that could be hanging in your mind right now is how then can you remove or get rid of the inquiries. It is possible for someone to make an inquiry of your credit report without your knowledge, so you need to start by requesting 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 make this possible using one of the two available options. The first option is to make sure you do it yourself. You need to get the address of all the creditors who inquired on your report without your authorization.

The other thing you need to do is to send a letter to those creditors through the mail and keep in your record a copy of what you have sent them. The letter should state that you are not the one who authorized the inquiry and that you want it removed forthwith. when you are scrutinizing your credit report; you may realize that some of the items need to be dealt with, it will be better if you ask an expert to handle your credit repair issues.

one the thing that the credit repair company will do is to ease you the burden of dealing with the creditors trying to make them remove the inquiries. When you are choosing the credit repair company to handle your report you need to ensure that you have a reputable company. The state of your credit score report can be compared to the state of 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 that you have to think about training, experience, and reputation of the company you choose to handle your credit score report. You need to exercise caution when you are making your choice.

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